This home is in Queens Harbour, Jacksonville.

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Active

Active·45 days on market·Queens Harbour

1321 Windsor Harbor Drive

Jacksonville, FL 32225

$2,150,000$460/sqftEst. $10,928/moMLS# 2149050

Beds

Baths

4,672

Sq Ft

2004

Built

Garage

Yes

Pool

About this home

Queens Harbour

QUEENS HARBOUR WATERFRONT HOME!!! NAVIGABLE & CLOSE TO THE LOCK!! This stunning lagoon residence checks all the boxes & awaits its new owner! Masonry bulkhead w/a 40 ft. dock. Ample backyard for the kids or animals. Very attractive & stately elevation w/an oversized covered front porch. Inside the home is an elegant foyer w/Saturnia flooring, inset design & recessed lighting above. A double-sided f/p elegantly separates the living room from the dining room, contributing to the warmth & charm of the home. Adjacent to the foyer, a beautifully wood-paneled office space provides a refined work environment. The master suite is conveniently situated on the 1st floor, ensuring ease of access & offering breathtaking views. Another bedrm is downstairs on the other side of the home. The open-concept chef's kitchen is equipped w/KitchenAid appliances & includes a cozy breakfast nook overlooking the lagoon. Upstairs are 2 other bedrms & fabulous game rm/theatre. Balcony overlooks pool & lagoon

Cost to own

Mortgage calculator

Home Price

$2,150,000

Down Payment: 20%

$430,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$10,928

Principal & Interest: $10,928

Property taxes (est.): $3,511

Insurance (est.): $1,433

Estimated Total Monthly

$15,872

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$10,928

Property taxesest. at asking price, Duval County$3,511

HOAbilled quarterly$373

Estimated total, before insurance$14,812/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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	$1,489,773	$968,524	▲ $124,415
2024	$1,371,218	$940,380	▲ $35,126
2023	$1,180,534	$911,389	—
2022	$1,149,768	$883,242	—
2021	$1,004,715	$855,915	▲ $33,701
2020	$913,195	$843,339	—

2025 property taxes (current owner): $17,733/yr

Estimated taxes if purchased at asking price: ~$42,100/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.

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 2004)

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: ~1,759 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

Jun 5, 2026Listed$2,150,000

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

Features

Price$2,150,000

Price / Sq Ft$460

Bedrooms4

Bathrooms5.50

Full Baths5

Half Baths1

Square Footage4,672

Acres0.41 acres

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Pool Sweep, Screen Enclosure

Is WaterfrontYes

Community Information

Address1321 Windsor Harbor Drive, Jacksonville, FL 32225

Area043-Intracoastal West-North Of Atlantic Blvd

SubdivisionQueens Harbour Cc

CityJacksonville

CountyDuval

StateFL

Zip Code32225

Lot Size17,859.6 sq ft

Parcel Number1671278727

Amenities

AmenitiesPool, Boat Slip, Children's Pool, Clubhouse, Fitness Center, Gated, Golf Course, Management- On Site, Marina, Playground, Security, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAttached, Garage

ViewWater

Waterfront TypeLagoon, Navigable Water, No Fixed Bridges, Seawall

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Entrance Foyer, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces2

Fireplace FeaturesDouble Sided, Gas

# of Stories2

SecuritySecurity System Owned

Spa FeaturesIn Ground