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 Isle of Palms, Jacksonville Beach — a waterfront home in Jacksonville.

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Active

Active·95 days on market·Isle of Palms

3322 Queen Palm Drive

Jacksonville Beach, FL 32250

$890,000Est. $4,571/moMLS# 2145786

Beds

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Garage

Pool

About this home

Isle of Palms

Rare opportunity to build in the highly desirable Queen Palm area of Jacksonville. This oversized 62.5 x 180 ft lot offers approximately 11,250 sq ft of land and comes with valuable prep already in place, including a 2024 bulkhead, provided aerial views, survey, and conceptual new construction plans. Per seller-provided information, the property is not in a flood zone. The included plans show the potential for an impressive custom residence with approximately 3,930 heated sq ft and 5,399 total sq ft under roof, featuring a 3-car garage, outdoor living/lanai, covered balcony, flex space, guest room, game room, owner's suite, and generous indoor/outdoor living areas. Build your dream home or hold as a premium homesite in a strong coastal/intracoastal market. Buyer to verify zoning, permitting, setbacks, flood zone, and buildability.

Cost to own

Mortgage calculator

Home Price

$890,000

Down Payment: 20%

$178,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$4,571

Principal & Interest: $4,571

Property taxes (est.): $1,453

Insurance (est.): $593

Estimated Total Monthly

$6,617

*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$4,571

Property taxesest. at asking price, Duval County$1,453

Estimated total, before insurance$6,024/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

Last sold: $550,600 in April 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$332,640	$331,600	—
2024	$301,455	$301,455	—

Estimated taxes if purchased at asking price: ~$17,400/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: material not specified

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

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: ~1,697 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