Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville — a waterfront home in Jacksonville.

1 / 113

Active

Active·87 days on market

13451 Owl Hollow Court

Jacksonville, FL 32223

$1,800,000$340/sqftEst. $9,178/moMLS# 2144173

Beds

Baths

5,295

Sq Ft

1988

Built

Garage

Yes

Pool

About this home

Jacksonville

Tucked away on over 2 private acres in the heart of Mandarin, this custom waterfront estate offers an incredible opportunity to create your dream property in one of Jacksonville's most sought-after locations. With over 5,000 sqft, 4 bedrooms, and 4.5 bathrooms, the home features soaring ceilings, expansive living spaces, and a flexible layout designed for entertaining and everyday living. Off the main house, an additional building provides versatile space for a gym, office, workshop, or studio. Outside, the property truly stands out with a resort-style pool, separate pool house, expansive outdoor living areas, private dock, and two boat lifts directly on the St. Johns River. Mature trees and a quiet cul-de-sac setting create a private, secluded feel while still being conveniently close to shopping, dining, and top-rated schools. A rare opportunity to bring new life to an exceptional waterfront property in the heart of Mandarin.

Cost to own

Mortgage calculator

Home Price

$1,800,000

Down Payment: 20%

$360,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$9,178

Principal & Interest: $9,178

Property taxes (est.): $2,939

Insurance (est.): $1,200

Estimated Total Monthly

$13,317

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$9,178

Property taxesest. at asking price, Duval County$2,939

Estimated total, before insurance$12,117/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$20,156/yr · $1,680/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$1,237,398	$1,103,579	—
2024	$1,298,253	$1,071,770	▼ $3,118
2023	$1,271,371	$1,039,098	—
2022	$1,234,423	$1,007,377	—
2021	$1,026,580	$976,580	▼ $75,150
2020	$1,167,455	$1,022,373	—

2025 property taxes (current owner): $20,156/yr

Estimated taxes if purchased at asking price: ~$35,300/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1988)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,496 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

May 8, 2026Listed$1,800,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,800,000

Price / Sq Ft$340

Bedrooms4

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage5,295

Acres2.31 acres

Year Built1988

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Waterfall

Is WaterfrontYes

Direction FacesNortheast

School Information

ElementaryLoretto

MiddleMandarin

HighMandarin

Community Information

Address13451 Owl Hollow Court, Jacksonville, FL 32223

Area014-Mandarin

SubdivisionNatures Hammock

CityJacksonville

CountyDuval

StateFL

Zip Code32223

Lot Size100,623.6 sq ft

Parcel Number1059901040

ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerSeptic Tank

Water SourceWell

ParkingElectric Vehicle Charging Station(s), Garage, Garage Door Opener, Off Street

Waterfront TypeRiver Front

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Entrance Foyer, Guest Suite, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces4

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryIn Unit, Lower Level

Window FeaturesSkylight(s)