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This home is in Jacksonville — a waterfront home in Jacksonville.

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Active

Active·11 days on market

494 Brockham Drive

Jacksonville, FL 32221

$384,900$152/sqftEst. $1,977/moMLS# 2146585

Beds

Baths

2,539

Sq Ft

1999

Built

Garage

Pool

About this home

Jacksonville

Nestled on a quiet cul-de-sac in the highly sought-after Ashford community, this beautifully designed 4-bedroom, 3-bath home offers the perfect blend of comfort, space, and opportunity to make it truly your own. Situated on a generously sized lot, the property provides plenty of room to spread out, entertain, garden, or simply enjoy the peaceful outdoor setting. Step inside to soaring vaulted ceilings and an open-concept layout that create a bright, airy atmosphere throughout the main living spaces. The inviting living room is anchored by a charming wood-burning fireplace, adding warmth, character, and the perfect focal point for cozy evenings at home. Thoughtfully designed with a split-bedroom floor plan, this home was created with both everyday living and entertaining in mind.

Cost to own

Mortgage calculator

Home Price

$384,900

Down Payment: 20%

$76,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,977

Principal & Interest: $1,977

Property taxes (est.): $629

Insurance (est.): $257

Estimated Total Monthly

$2,862

*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$1,977

Property taxesest. at asking price, Duval County$628

HOAbilled annually$13

Estimated total, before insurance$2,619/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,722/yr · $477/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

Last sold: $325,000 in April 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$301,894	$301,894	▲ $15,022
2024	$287,918	$287,918	—
2023	$299,198	$241,380	▲ $15,000
2022	$273,419	$219,437	—
2021	$199,489	$199,489	—
2020	$193,634	$193,634	—

2025 property taxes (current owner): $5,722/yr

Estimated taxes if purchased at asking price: ~$7,500/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 1999)

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: ~1,727 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

Aug 9, 2026Price change$384,900−$10,000
Jun 11, 2026Listed$394,900

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

Features

Price$384,900

Price / Sq Ft$152

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,539

Acres0.37 acres

Year Built1999

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address494 Brockham Drive, Jacksonville, FL 32221

Area062-Crystal Springs/Country Creek Area

SubdivisionAshford

CityJacksonville

CountyDuval

StateFL

Zip Code32221

Lot Size16,117.2 sq ft

Parcel Number0068241035

Amenities

UtilitiesCable Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewLake, Protected Preserve

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Washer

HeatingElectric

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

Fireplace FeaturesWood Burning

# of Stories2

LevelsTwo

LaundryIn Unit