Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Tidal Pointe, Jacksonville — a home near Atlantic Coast High School.

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Active

Active·95 days on market·Tidal Pointe

11491 Fathom Court

Jacksonville, FL 32256

$389,999$259/sqftEst. $2,005/moMLS# 2147104

Beds

Baths

1,507

Sq Ft

2020

Built

Garage

Pool

About this home

Tidal Pointe

Seller to offer up to $10k for 2 for 1 buy down and/or closing costs with acceptable offer! Discover modern, low-maintenance living in the well-loved floorplan at Tidal Pointe, just a short walk from The Block! This unique 'upscale' layout features bright, airy interiors with soaring 12-foot ceilings, expansive windows, fresh interior paint, custom lighting, and a relaxed coastal-inspired design throughout. The open-concept main living area flows seamlessly into the beautifully appointed kitchen featuring white cabinetry, quartz countertops, stainless steel appliances, and an elegant teal backsplash. Downstairs bedrooms provide privacy for guests and flexibility for a home office, study, or fitness space. Conveniently located off Gate Parkway with quick access to JTB, I-295, and only minutes from St. Johns Town Center, this energy-efficient townhome offers both style and functionality.

Cost to own

Mortgage calculator

Home Price

$389,999

Down Payment: 20%

$78,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,005

Principal & Interest: $2,005

Property taxes (est.): $637

Insurance (est.): $260

Estimated Total Monthly

$2,902

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,005

Property taxesest. at asking price, Duval County$637

HOAbilled monthly$345

Estimated total, before insurance$2,987/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,335/yr · $361/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	$336,667	$233,509	—
2024	$320,443	$226,221	—
2023	$331,815	$218,176	—
2022	$309,438	$210,366	—
2021	$252,783	$202,783	—
2020	$50,000	$50,000	—

2025 property taxes (current owner): $4,335/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.

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 2020)

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

Solar potential: ~1,786 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 12, 2026Price change$389,999−$4,001
Aug 6, 2026Price change$394,000−$999
May 28, 2026Listed$394,999

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

Features

Price$389,999

Price / Sq Ft$259

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,507

Year Built2020

TypeResidential

Sub-TypeTownhouse

StyleContemporary

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryTwin Lakes Academy

MiddleTwin Lakes Academy

HighAtlantic Coast

Community Information

Address11491 Fathom Court, Jacksonville, FL 32256

Area024-Baymeadows/Deerwood

SubdivisionTidal Pointe At Southside

CityJacksonville

CountyDuval

StateFL

Zip Code32256

Parcel Number1677405510

ZoningResidential

Amenities

AmenitiesPool, Trash

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingOther, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Other

AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

# of Stories2

LevelsTwo

SecuritySmoke Detector(s)