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

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Active

Active·102 days on market·Tidewater

5304 Clapboard Cove Court

Jacksonville, FL 32226

$629,900$252/sqftEst. $3,235/moMLS# 2144550

Beds

Baths

2,497

Sq Ft

2022

Built

Garage

Pool

About this home

Tidewater

Welcome to this beautiful 4-bedroom, 3-bathroom home built in 2022 located in the highly desirable Tidewater community in North Jacksonville! Offering 2,497 heated square feet and a peaceful waterfront pond view, this gorgeous contemporary-style one-story home combines modern comfort with exceptional community amenities. Step inside to discover an open floor plan with 10' high tray ceilings, split-bedroom design, and an impressive kitchen featuring a magnificent center island, eat-in dining space, and all modern-day appliances included -- even the washer and dryer. The spacious living areas flow seamlessly to the custom-built screened lanai where you can relax beside the outdoor gas fireplace and enjoy tranquil water views year-round. Move-in ready featuring an oversized 2-car garage perfect for a golf cart, covered front porch, irrigation system, beautiful landscaping, public water and sewer, and attractive frame construction with Hardie board & stucco exterior finishes. Come Soon!

Cost to own

Mortgage calculator

Home Price

$629,900

Down Payment: 20%

$125,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$3,235

Principal & Interest: $3,235

Property taxes (est.): $1,029

Insurance (est.): $420

Estimated Total Monthly

$4,683

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$3,235

Property taxesest. at asking price, Duval County$1,029

HOAbilled quarterly$83

Estimated total, before insurance$4,346/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,668/yr · $889/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

Last sold: $549,900 in February 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$553,563	$482,518	▲ $36,750
2024	$518,212	$468,212	▲ $32,974
2023	$483,987	$471,587	—
2022	$80,000	$66,000	▲ $20,000
2021	$60,000	$60,000	—

2025 property taxes (current owner): $10,668/yr

Estimated taxes if purchased at asking price: ~$12,300/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 2022)

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

Solar potential: ~1,801 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

Price & status history

May 11, 2026Listed$629,900

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

Features

Price$629,900

Price / Sq Ft$252

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,497

Total Structure Area2,919 sq ft

Acres0.43 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Direction FacesNorth

Community Information

Address5304 Clapboard Cove Court, Jacksonville, FL 32226

Area096-Ft George/Blount Island/Cedar Point

SubdivisionTidewater

CityJacksonville

CountyDuval

StateFL

Zip Code32226

Lot Size18,730.8 sq ft

Lot Dimensions80'

Parcel Number1599424555

ZoningPUD

Amenities

AmenitiesPool, Barbecue, Basketball Court, Clubhouse, Fitness Center, Gated, Playground

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond, Water

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingElectric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas, Outside

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySecurity Gate, Smoke Detector(s)