This home is in Jacksonville — a waterfront home in Jacksonville.
Sold·Closed Jul 13, 2026·16 days on market·Recent sales in Jacksonville
4634 Empire Avenue
Jacksonville, FL 32207
About this home
Jacksonville
Riverfront Living in Desirable Empire Point! Situated in one of Jacksonville's highest elevation neighborhoods, this custom-built, all-brick home offers an exceptional waterfront lifestyle with 115 feet of bulkheaded frontage along the St. Johns River. Lovingly maintained by its original owner, the pristine one-story residence features an open floor plan, soaring ceilings, and breathtaking river views from nearly every room. New Andersen windows and doors connect the spacious Great Room to a tiled riverside patio, creating seamless indoor-outdoor living. Spacious kitchen & breakfast room w/river views. Enjoy the convenience of being just minutes from San Marco Square, known for its fine dining, popular restaurants, boutique shopping, and charming bookstore, hospitals and downtown. Easy access to Jacksonville's beaches and the Atlantic Ocean enhances the appeal. From your backyard, take in views across the river toward EverBank Stadium and the soon-to-open Four Seasons Hotel.
Next steps in Jacksonville
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 1989)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Public water (record)
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: ~1,651 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 homeAs 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.
Sun & Light
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:26 AM, sunset 7:00 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
- Winter afternoons on the lanai run dim earlier than any other orientation.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $843,459 | $528,372 | — |
| 2024 | $840,214 | $512,633 | ▼ $198 |
| 2023 | $865,485 | $496,100 | ▲ $23,030 |
| 2022 | $815,487 | $484,549 | — |
| 2021 | $699,438 | $468,966 | — |
| 2020 | $633,213 | $461,794 | — |
2025 property taxes (current owner): $9,951/yr
Estimated taxes if purchased at asking price: ~$28,100/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.
History
Price & status history
- Jul 15, 2026Closed$1,495,000
- Jun 2, 2026Listed$1,495,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $203/sq ft; this home is listed at $426/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3845 Harbor Drive, Jacksonville, FL 32207Listed by REAL BROKER LLC | Sep 2026 | $1,775,000 | $407 | 4/3.5 | 4,359 | 51 | 0.5 |
| 1315 Mayfair Road, Jacksonville, FL 32207Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $590,000 | $207 | 4/3 | 2,854 | 255 | 0.6 |
| 1753 Jork Road, Jacksonville, FL 32207Listed by NAVY TO NAVY HOMES LLC | Sep 2026 | $465,000 | $129 | 3/3 | 3,594 | 1 | 0.7 |
| 5404 Floral Avenue, Jacksonville, FL 32211Listed by MOMENTUM REALTY | Jul 2026 | $250,000 | $100 | 4/2.5 | 2,496 | 8 | 0.9 |
| 1667 St Paul Avenue, Jacksonville, FL 32207Listed by CENTURY COMMUNITIES OF FLORIDA | Oct 2025 | $553,990 | $200 | 3/2.5 | 2,770 | 70 | 0.9 |
| 1756 St Paul Avenue, Jacksonville, FL 32207Listed by CENTURY COMMUNITIES OF FLORIDA | Aug 2025 | $561,490 | $203 | 3/2.5 | 2,770 | 43 | 0.9 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
Broker Associate
This home sold on Jul 13, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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