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This home is in Jacksonville.

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Active Under Contract

Active Under Contract·78 days on market

13540 Cheyne Road

Jacksonville, FL 32246

$799,000$278/sqftEst. $4,120/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

$799,000

Down Payment: 20%

$159,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$4,120

Principal & Interest: $4,120

Property taxes (est.): $1,305

Insurance (est.): $533

Estimated Total Monthly

$5,958

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$4,120

Property taxesest. at asking price, Duval County$1,305

Estimated total, before insurance$5,425/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,612/yr · $384/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

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: ~$15,700/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

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

Jul 23, 2026Active Under Contract$799,000
Jul 16, 2026Price change$799,000−$50,000
May 21, 2026Listed$849,000

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

Features

Price$799,000

Price / Sq Ft$278

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,875

Acres0.43 acres

Year Built2013

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# 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)