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 Jacksonville — a waterfront home in Jacksonville.

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Active

Active·83 days on market

1133 Girvin Road

Jacksonville, FL 32225

$1,999,999Est. $10,271/moMLS# 2147849

Beds

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Garage

Pool

About this home

Jacksonville

Charming Bungalow on 4.99 Acres on the Water Welcome to your dream property! This delightful 2-bedroom, 1-bath bungalow is perfectly situated on a sprawling 4.99 acres of scenic land along the water. Located on in the highly sought-after Intercoastal West area, this property offers a fantastic blend of tranquility and potential. Imagine the possibilities! This unique property is ideal for a family compound or could possible subdivided to create a community or resort-style residential area. Enjoy the freedom to bring your horses, keep livestock, and cultivate your own garden in this beautiful setting. With its picturesque surroundings and exceptional location, this property is a must-see. Embrace the opportunity to create your own oasis, as a private retreat.

Cost to own

Mortgage calculator

Home Price

$1,999,999

Down Payment: 20%

$400,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$10,271

Principal & Interest: $10,271

Property taxes (est.): $3,266

Insurance (est.): $1,333

Estimated Total Monthly

$14,870

*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$10,271

Property taxesest. at asking price, Duval County$3,266

Estimated total, before insurance$13,537/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,544/yr · $545/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	$430,325	$303,608	—
2024	$430,595	$276,008	▲ $100,521
2023	$332,721	$250,917	▲ $52,856
2022	$277,279	$228,107	—
2021	$264,353	$207,370	—
2020	$263,018	$188,519	—

2025 property taxes (current owner): $6,544/yr

Estimated taxes if purchased at asking price: ~$39,200/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified

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

Likely septic · Public water · JEA

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: ~1,768 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