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 pool home in Jacksonville.

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Active

Active·45 days on market

536 Sapelo Road

Jacksonville, FL 32216

$364,990$239/sqftEst. $1,882/moMLS# 2144499

Beds

Baths

1,530

Sq Ft

1949

Built

—

Garage

Yes

Pool

About this home

Jacksonville

Step into comfort and style at 536 Sapelo, a beautifully updated 5-bedroom, 2-bath concrete block home located just minutes from Downtown Jacksonville and the St. Johns River. This move-in ready home features a private pool and oversized backyard perfect for entertaining, relaxing, or family gatherings. Interior upgrades include waterproof LVP flooring, recessed lighting, fresh paint, modern fixtures, granite kitchen countertops, and new appliances. Major improvements include PVC replumbing, updated electrical wiring with a new panel, roof replaced in 2018, new air ducts, new water heater, and most windows replaced. HVAC installed in 2014 with recently serviced air handler. Septic system has been regularly maintained and is functioning properly. A perfect blend of charm, space, and modern updates!

Cost to own

Mortgage calculator

Home Price

$364,990

Down Payment: 20%

$72,998

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,882

Principal & Interest: $1,882

Property taxes (est.): $596

Insurance (est.): $243

Estimated Total Monthly

$2,722

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,882

Property taxesest. at asking price, Duval County$596

Estimated total, before insurance$2,478/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$196,809	$196,809	—
2024	$185,761	$160,761	▲ $5,900
2023	$182,228	$157,228	—
2022	$175,371	$142,739	▲ $1,892
2021	$129,763	$129,763	▲ $7,571
2020	$118,974	$118,974	▲ $7,809

Estimated taxes if purchased at asking price: ~$7,200/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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — 2018 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Likely septic · Public water · JEA

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: ~1,628 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

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