This home is in Jacksonville.

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Active

Active·55 days on market

13540 Cheyne Road

Jacksonville, FL 32246

$849,000$295/sqftEst. $4,519/moMLS# 2146368

Beds

Baths

2,875

Sq Ft

2013

Built

Garage

Pool

About this home

Jacksonville

Tucked away on a peaceful private road, this custom-built full brick estate offers the perfect blend of privacy, craftsmanship, and convenience just minutes from the beaches, Mayo Clinic, UNF, and shopping. Situated on a beautifully landscaped .43-acre homesite with NO HOA, this one-owner home was thoughtfully designed with quality construction and upscale finishes throughout. Inside, you'll find soaring 10' ceilings, crown molding, tray ceilings, rich bamboo flooring upgrades, custom stone accents, and a spacious open layout centered around a chef's kitchen with exotic granite countertops, premium appliances, custom cabinetry, and an oversized walk-in pantry. The luxurious owner's suite offers a true retreat with dual custom closets and a spa-inspired bath. Built with comfort and efficiency in mind, the home also features smart home technology, whole-home water treatment, and a deep artesian well. Outdoor living is equally impressive with an expansive paver lanai, ready for

Cost to own

Mortgage calculator

Home Price

$849,000

Down Payment: 20%

$169,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$4,289

Principal & Interest: $4,289

Est. Taxes & Insurance: $1,072

Estimated Total Monthly

$5,361

*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$4,519

Property taxesest. at asking price, Duval County$1,386

Estimated total, before insurance$5,905/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	$698,828	$227,406	▲ $52,643
2024	$649,218	$220,290	—
2023	$657,125	$212,418	—
2022	$592,892	$204,775	—
2021	$471,079	$197,355	—
2020	$451,956	$193,940	▲ $2,182

2025 property taxes (current owner): $4,612/yr

Estimated taxes if purchased at asking price: ~$16,600/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.

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 2013)

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

Septic system (public record) · Private well (public record)

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: ~1,765 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

May 21, 2026Listed$849,000

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

Features

Price$849,000

Price / Sq Ft$295

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,875

Acres0.43 acres

Year Built2013

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address13540 Cheyne Road, Jacksonville, FL 32246

Area025-Intracoastal West-North Of Beach Blvd

SubdivisionGolden Glades

CityJacksonville

CountyDuval

StateFL

Zip Code32246

Lot Size18,730.8 sq ft

Parcel Number1667870000

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerSeptic Tank

Water SourceWell

ParkingAttached, Detached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Nook, Butler Pantry, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Pantry, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Double Oven, Dryer, Electric Range, Microwave, Refrigerator, Washer

HeatingElectric

CoolingCentral Air

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecurityFire Alarm, Smoke Detector(s)