This home is in Jacksonville.

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Active

Active·54 days on market

14525 Amelia Cove Drive

Jacksonville, FL 32226

$665,000$199/sqftEst. $3,391/moMLS# 2147838

Beds

Baths

3,341

Sq Ft

2009

Built

Garage

Pool

About this home

Jacksonville

THE PINNACLE OF AMELIA VIEW! Escape the cramped lots of typical neighborhood inventory with this commanding concrete-block estate on a rare triple-preserve lot of nearly 3/4 acre. Enjoy unparalleled privacy bordered by lush forest on three sides. This 5 bedroom/3.5 bathroom sanctuary welcomes you with a grand 2-story foyer, spiral chandelier, and rich wood floors. The chef's kitchen boasts 42'' honey maple cabinets, granite counters, and butler's pantry. The desirable first-floor owners' retreat offers tray ceilings, dual custom walk-in closets, and a spa-inspired bath. Upstairs features a versatile loft/game room. Step outside to a pristine, new designer paver patio and screened lanai overlooking your private acreage. Features an oversized 3-car garage. Buy with absolute peace of mind--this home has recently been professionally inspected and appraised for a transparent, fast path to closing!

Cost to own

Mortgage calculator

Home Price

$665,000

Down Payment: 20%

$133,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,391

Principal & Interest: $3,391

Property taxes (est.): $1,086

Insurance (est.): $443

Estimated Total Monthly

$4,920

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$3,391

Property taxesest. at asking price, Duval County$1,086

HOAbilled semi-annually$63

Estimated total, before insurance$4,539/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,898/yr · $741/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: $625,000 in June 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$522,416	$471,694	—
2024	$513,795	$461,610	▲ $37,979
2023	$496,709	$446,709	—
2022	$432,168	$210,150	▲ $24,060
2021	$342,012	$202,559	▼ $14,860
2020	$336,673	$199,066	▼ $3,384

2025 property taxes (current owner): $8,898/yr

Estimated taxes if purchased at asking price: ~$13,000/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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 2009)

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: ~1,624 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

May 29, 2026Listed$665,000

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

Features

Price$665,000

Price / Sq Ft$199

Bedrooms5

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,341

Total Structure Area4,208 sq ft

Acres0.74 acres

Year Built2009

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryNew Berlin

MiddleOceanway

HighFirst Coast

Community Information

Address14525 Amelia Cove Drive, Jacksonville, FL 32226

Area096-Ft George/Blount Island/Cedar Point

SubdivisionAmelia View

CityJacksonville

CountyDuval

StateFL

Zip Code32226

Lot Size32,234.4 sq ft

Parcel Number1084220490

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Boat Dock, Clubhouse, Playground, RV/Boat Storage

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewProtected Preserve

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), His and Hers Closets, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom - Tub with Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Wood

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

SecuritySecurity System Owned, Smoke Detector(s)