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This home is in Jacksonville — a pool home in Jacksonville.

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Active

Active·59 days on market

2310 Shipwreck Circle W

Jacksonville, FL 32224

$1,600,000$601/sqftEst. $8,158/moMLS# 2148936

Beds

Baths

2,661

Sq Ft

1977

Built

Garage

Yes

Pool

About this home

Jacksonville

Rare opportunity to own a beautifully remodeled waterfront estate just off San Pablo Road. Set on a spacious 1/3 acre lot, this exceptional property offers approximately 2,661 square feet of updated living space with direct boating access from a private dock. Fully renovated, the home features an open-concept layout, luxury vinyl plank flooring, and a stunning kitchen with quartz countertops and ample workspace. Major updates include a new roof, HVAC system, and water heater. Large windows fill the home with natural light and showcase scenic water views. Outside, enjoy a 20,000-gallon saltwater pool overlooking the canal, where manatees and fish are frequent visitors. Boaters will appreciate the 25' x 46' dock, 13,000-pound boat lift, and 8' x 20' floating Ipe wood dock.

Cost to own

Mortgage calculator

Home Price

$1,600,000

Down Payment: 20%

$320,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$8,158

Principal & Interest: $8,158

Property taxes (est.): $2,613

Insurance (est.): $1,067

Estimated Total Monthly

$11,837

*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$8,158

Property taxesest. at asking price, Duval County$2,613

Estimated total, before insurance$10,770/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	$598,080	$598,080	—
2025	$853,404	$282,476	—
2024	$548,240	$548,240	—
2024	$739,755	$273,808	▲ $191,699
2023	$548,240	$543,415	—
2023	$564,429	$264,377	▲ $12,452
2022	$494,014	$494,014	—
2022	$533,438	$255,221	—
2021	$942,392	$723,329	—
2021	$459,891	$246,332	—
2020	$761,249	$657,572	—
2020	$446,689	$242,241	—

Estimated taxes if purchased at asking price: ~$31,400/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 C

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

Roof: Shingle — year not disclosed (home built 1977)

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: ~1,521 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

Jul 7, 2026Active$1,600,000
Jun 5, 2026Listed$1,600,000

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

Features

Price$1,600,000

Price / Sq Ft$601

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,661

Acres0.35 acres

Year Built1977

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Fenced, Pool Sweep, Salt Water

Is WaterfrontYes

School Information

ElementaryAlimacani

MiddleFletcher Jr High

Community Information

Address2310 Shipwreck Circle W, Jacksonville, FL 32224

Area025-Intracoastal West-North Of Beach Blvd

SubdivisionHoliday Harbor

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Lot Size15,246 sq ft

Parcel Number1674100000

Amenities

UtilitiesElectricity Available

Water SourcePublic, Well

ParkingGarage, Garage Door Opener

ViewWater

Waterfront TypeNavigable Water

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Smart Thermostat, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesConvection Oven, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Water Heater, Ice Maker, Microwave, Washer

HeatingCentral

CoolingCentral Air

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LevelsMulti/Split

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

Window FeaturesSkylight(s)