This home is in Queens Harbour, Jacksonville.

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Active Under Contract

Active Under Contract·58 days on market·Queens Harbour

13634 Shipwatch Drive

Jacksonville, FL 32225

$1,125,000$362/sqftEst. $5,988/moMLS# 2145833

Beds

Baths

3,112

Sq Ft

1996

Built

Garage

Yes

Pool

About this home

Queens Harbour

Beautiful home in the prestigious Queen's Harbour Yacht & Country Club. Jacksonville's premier gated boating & golf community, this elegantly updated home is ideally positioned just minutes from the amenities and security gate and directly across from the harbor. Situated on an expansive approx. 0.42-acre lot, the property features a private heated pool & spa, screened enclosure, extensive paver outdoor living spaces, fenced backyard, & paver driveway--perfect for entertaining & outdoor living. The approx. floorplan offers 4 BR, dedicated office, and 4 full baths, with 3 BR located downstairs. The upstairs 4th BR includes a mobility chair lift installed on the staircase that conveys with the home. Interior highlights include hardwood floors, quartz countertops, stainless appliances, water softener, fireplace, remodeled primary bath featured on Houzz, renovated secondary baths, and numerous smart home upgrades. Includes extensive amenities plus optional Golf membership. Call now

Cost to own

Mortgage calculator

Home Price

$1,125,000

Down Payment: 20%

$225,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$5,683

Principal & Interest: $5,683

Est. Taxes & Insurance: $1,421

Estimated Total Monthly

$7,103

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$5,988

Property taxesest. at asking price, Duval County$1,837

HOAbilled quarterly$304

Estimated total, before insurance$8,129/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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	$903,210	$754,897	—
2024	$907,548	$732,915	▲ $19,214
2023	$786,990	$710,112	—
2022	$737,973	$687,973	▼ $10,000
2021	$631,043	$364,946	▲ $207,699
2020	$409,996	$359,217	—

2025 property taxes (current owner): $13,970/yr

Estimated taxes if purchased at asking price: ~$22,000/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 1996)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

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

Solar potential: ~1,677 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Jul 8, 2026Active Under Contract$1,125,000
May 18, 2026Listed$1,125,000

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

Features

Price$1,125,000

Price / Sq Ft$362

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage3,112

Total Structure Area4,045 sq ft

Acres0.42 acres

Year Built1996

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Electric Heat, Heated, Screen Enclosure, Waterfall

Is WaterfrontNo

Direction FacesNorth

School Information

ElementaryNeptune Beach

MiddleLandmark

HighSandalwood

Community Information

Address13634 Shipwatch Drive, Jacksonville, FL 32225

Area043-Intracoastal West-North Of Atlantic Blvd

SubdivisionQueens Harbour Cc

CityJacksonville

CountyDuval

StateFL

Zip Code32225

Lot Size18,295.2 sq ft

Lot Dimensions110 X170

Parcel Number1671271058

ZoningPUD

Amenities

AmenitiesPool, Basketball Court, Boat Dock, Boat Launch, Clubhouse, Fitness Center, Gated, Golf Course, Jogging Path, Maintenance Grounds, Marina, Pickleball, Playground, Security, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Guest Suite, His and Hers Closets, Jack and Jill Bath, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Multi Units

FlooringCarpet, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LevelsTwo

LaundryLower Level

Security24 Hour Security, Gated with Guard, Security Gate, Smoke Detector(s)

Spa FeaturesIn Ground, Heated, Private