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This home is in Beacon Hills Harbor, Jacksonville — a pool home in Jacksonville.

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Active

Active·31 days on market·Beacon Hills Harbor

11643 Francis Drake Drive

Jacksonville, FL 32225

$485,000$281/sqftEst. $2,501/moMLS# 2147144

Beds

Baths

1,725

Sq Ft

1960

Built

—

Garage

Yes

Pool

About this home

Beacon Hills Harbor

Nestled beneath a breathtaking canopy of mature oak trees draped in Spanish moss, this beautifully renovated, partially brick, multi-level pool home offers the perfect blend of timeless character and modern luxury. Thoughtfully redesigned from top to bottom, this 4-bedroom, 3.5-bath home is truly move-in ready with extensive upgrades throughout. Inside, you'll find luxury LVP flooring flowing seamlessly throughout the home, designer bathrooms with upscale finishes, and a stunning gourmet kitchen featuring quartz countertops, custom cabinetry, and an open-concept layout perfect for entertaining. Major improvements include updated electrical, providing peace of mind while preserving the charm and warmth that make this property truly unique. (Note: Grass and master bathroom have been digitally enhanced in some photos).

Cost to own

Mortgage calculator

Home Price

$485,000

Down Payment: 20%

$97,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,501

Principal & Interest: $2,501

Property taxes (est.): $792

Insurance (est.): $323

Estimated Total Monthly

$3,616

*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$2,501

Property taxesest. at asking price, Duval County$792

Estimated total, before insurance$3,293/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$241,741	$241,741	—
2024	$232,171	$232,171	▲ $4,423
2023	$223,946	$221,920	—
2022	$201,746	$201,746	▲ $19,944
2021	$159,661	$52,855	—
2020	$138,863	$51,435	—

Estimated taxes if purchased at asking price: ~$9,500/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.

Hurricane evacuation zone B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 1960)

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: ~1,059 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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 7, 2026Price change$485,000−$14,999
Jul 23, 2026Price change$499,999−$15,001
Jul 7, 2026Listed$515,000

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

Features

Price$485,000

Price / Sq Ft$281

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage1,725

Total Structure Area1,971 sq ft

Year Built1960

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

Has PoolYes

Pool FeaturesIn Ground, Fenced

Is WaterfrontNo

School Information

ElementaryDon Brewer

MiddleLandmark

HighSandalwood

Community Information

Address11643 Francis Drake Drive, Jacksonville, FL 32225

Area042-Ft Caroline

SubdivisionBeacon Hills Harbor

CityJacksonville

CountyDuval

StateFL

Zip Code32225

Parcel Number160540-0000

ZoningResidential

Amenities

UtilitiesElectricity Connected, Water Available

SewerPublic Sewer

Water SourcePublic

Green / EnergyInsulation

ParkingOther

Interior

Interior FeaturesOpen Floorplan, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Thermostat, Walk-In Closet(s)

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

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories3

LevelsThree Or More

LaundryLower Level

SecuritySmoke Detector(s)

Exterior

Exterior FeaturesBalcony

Lot DescriptionFew Trees

Patio / PorchDeck, Front Porch, Porch, Rear Porch

FencingBack Yard, Wood

RoofShingle

ConstructionBrick, Aluminum Siding

Road SurfaceAsphalt

Road FrontageCity Street

Additional Information

Date ListedJuly 7, 2026

Days on Market40

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

The neighborhood

About Beacon Hills Harbor

Beacon Hills Harbor is a neighborhood in Jacksonville, FL (Duval County), ZIP 32225.

View all Beacon Hills Harbor homes for sale →

Listing Courtesy of: 1 REALTY CORP

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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Krista Fracke

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20+ years · 500+ closings · NE Florida

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