This home is in Jacksonville — a pool home in Jacksonville.
Sold·Closed Jul 31, 2026·3 days on market·Recent sales in Jacksonville
4042 Harbour Cove Drive
Jacksonville, FL 32225
About this home
Jacksonville
VA ASSUMABLE LOAN AVAILABLE WITH AN INCREDIBLY LOW 2.49% INTEREST RATE! Welcome to Harbour Cove in the heart of Fort Caroline. This updated 3 bedroom, 3.5 bathroom home offers a rare opportunity to enjoy a spacious floor plan, exceptional outdoor living, and a prime Jacksonville location. Situated on an oversized homesite with a circular driveway, the property provides ample parking and impressive curb appeal. The backyard is designed for entertaining with a sparkling saltwater pool, expansive patio space, and a custom mini golf perfect for gatherings with family and friends. Inside, you'll find updated finishes, generous living spaces, and a layout that seamlessly blends comfort and functionality. Conveniently located approximately 15 minutes from Naval Station Mayport, Atlantic Beach, and Jacksonville's beautiful coastline. Enjoy easy access to I295, the Wonderwood Expressway, public boat ramps, waterfront parks, Publix, Target, shopping, dining, and entertainment.
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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — year not disclosed (home built 1974)
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: ~1,703 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $425,932 | $242,269 | — |
| 2024 | $374,244 | $234,734 | ▲ $4,305 |
| 2023 | $354,627 | $226,441 | ▲ $5,000 |
| 2022 | $335,394 | $218,390 | ▲ $27,444 |
| 2021 | $260,573 | $210,573 | — |
| 2020 | $262,698 | $151,218 | ▲ $9,676 |
2025 property taxes (current owner): $4,875/yr
Estimated taxes if purchased at asking price: ~$12,100/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 31, 2026Closed$630,000
- Jun 5, 2026Listed$630,000
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 $260/sq ft; this home is listed at $231/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 11416 River Knoll Drive, Jacksonville, FL 32225Listed by REALTY MARK ASSOCIATES | Jul 2026 | $460,000 | $214 | 3/2 | 2,154 | 3 | 0.1 |
| 11612 Sherborne Circle S, Jacksonville, FL 32225Listed by WATSON REALTY CORP | Jul 2026 | $699,000 | $269 | 4/3.5 | 2,595 | 4 | 0.2 |
| 11257 Portside Drive, Jacksonville, FL 32225Listed by HOMECOIN.COM | Sep 2026 | $800,000 | $260 | 4/3 | 3,075 | 110 | 0.3 |
| 11420 Starboard Drive, Jacksonville, FL 32225Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jul 2026 | $740,000 | $295 | 4/3.5 | 2,508 | 5 | 0.3 |
| 4425 Beacon Drive W, Jacksonville, FL 32225Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $553,000 | $220 | 4/2.5 | 2,519 | 67 | 0.4 |
| 4276 Stratford Way, Jacksonville, FL 32225Listed by LA ROSA REALTY NORTH FLORIDA, LLC. | Aug 2026 | $529,000 | $218 | 3/2 | 2,429 | 55 | 0.4 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLUID REALTY, LLC.
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 31, 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.
Northeast Florida living
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