This home is in Jacksonville — a gated community home in Jacksonville.
Sold·Closed Aug 13, 2026·41 days on market·Recent sales in Jacksonville
14445 Christen Drive
Jacksonville, FL 32218
About this home
Jacksonville
Assumable VA loan with a 2.25% rate to an eligible VA buyer! Spacious Home with Pond View and Fenced Backyard! This 4 bedroom 3 bath home features a functional floor plan with a large family room that includes a cozy fireplace , bright breakfast nook, and a kitchen with abundant cabinetry and plenty of counter space. The home also offers a formal living room and dining room--perfect for gatherings and entertaining. The primary bedroom has a double tray ceiling, huge walk in closet and en suite complete with 2 vanities, a garden tub and a separate shower. Upstairs, enjoy a versatile bonus room with private bath that can be used as a playroom, office, or media space. Step outside onto the covered patio and the fenced backyard overlooking a peaceful pond, providing a relaxing outdoor retreat. Close to River City Marketplace, dining, and parks. Roof is only 3 years old! New water heater!
Next steps in Jacksonville
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
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 E
Zone E evacuates after zones A, B, C, D in an approaching storm.
Roof: Shingle — year not disclosed (home built 2006)
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: ~1,696 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 homeAs 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Bluffs Scenic Trail, Big Talbot Island State Parkabout 10 mi · 35 parking spaces
Closest park or preserve
Betz-Tiger Point Preserveabout 8 mi · 4.3 mi of trails
Closest public boat ramp
Half Moon Island Preserve Boat Rampabout 5 mi · Nassau River
Closest kayak & paddleboard launch
Betz – Tiger Point Preserve Edwards Creek Day Use Area Kayak Launchabout 7 mi · Edwards Creek
Closest youth league fields
Tom Marshall Parkabout 2 mi · Baseball, Football, Softball
Closest grocery store
Publixabout 1 mi · 731 Duval Station Rd, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
Last sold: $410,000 in January 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $354,467 | $303,745 | — |
| 2024 | $362,482 | $312,482 | ▲ $22,036 |
| 2023 | $353,235 | $303,235 | — |
| 2022 | $308,568 | $308,568 | ▲ $7,911 |
| 2021 | $251,782 | $136,124 | — |
| 2020 | $241,055 | $133,548 | ▲ $8,657 |
2024 property taxes (current owner): $5,935/yr
Estimated taxes if purchased at asking price: ~$7,600/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.
History
Price & status history
- Aug 14, 2026Closed$399,900
- May 19, 2026Listed$399,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $168/sq ft; this home is listed at $149/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 598 Amber Creek Drive, Jacksonville, FL 32218Listed by SOMEDAY HOMES REALTY, LLC. | Oct 2026 | $366,000 | $183 | 3/2.5 | 2,003 | 10 | 0.6 |
| 549 Amber Creek Drive, Jacksonville, FL 32218Listed by TOTAL REALTY SOLUTIONS LLC | Oct 2026 | $432,500 | $156 | 4/3 | 2,770 | 4 | 0.6 |
| 816 Reflection Cove Road E, Jacksonville, FL 32218Listed by ENTERA REALTY LLC | Oct 2026 | $339,900 | $153 | 4/3 | 2,221 | 19 | 0.8 |
| 788 Reflection Cove Road E, Jacksonville, FL 32218Listed by LANDBRIDGE REALTY GROUP LLC | Oct 2026 | $430,000 | $168 | 4/2.5 | 2,567 | 114 | 0.8 |
| 14820 Macademia Lane, Jacksonville, FL 32218Listed by CENTURY COMMUNITIES OF FLORIDA | Sep 2026 | $349,990 | $161 | 4/2.5 | 2,180 | 91 | 0.8 |
| 14122 Summer Breeze Drive E, Jacksonville, FL 32218Listed by ALKO REALTY LLC | Sep 2026 | $390,000 | $184 | 5/2 | 2,119 | 79 | 0.8 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY
Sold by: NON MLS (realMLS) (buyer's brokerage)
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
Broker Associate
This home sold on Aug 13, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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