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 home near Sandalwood High School.

1 / 38

Active

Active·63 days on market

11639 Marina Drive

Jacksonville, FL 32246

$419,000$199/sqftEst. $2,161/moMLS# 2149107

Beds

Baths

2,108

Sq Ft

1962

Built

—

Garage

Pool

About this home

Jacksonville

Income-Producing Multi-Family Property in Prime Jacksonville Location! Exceptional opportunity to own a versatile multi-family property with excellent rental income potential in the highly desirable 32246 ZIP code, known for its convenience, strong community atmosphere, and close proximity to Jacksonville's best shopping, dining, and entertainment. The main house is divided into two separate living spaces, featuring a spacious 4-bedroom, 2-bathroom unit along with an additional private 1-bedroom, 1-bathroom suite. The property also includes a detached studio located at the rear of the property with its own private street entrance, offering even more flexibility for rental income or multi-generational living. This well-maintained property includes valuable upgrades such as newer premium AC systems, a durable 7-year-old roof, and an updated bathroom. Situated on a generous lot in a sought-after neighborhood, the property is conveniently located near FSCJ and the University of North

Cost to own

Mortgage calculator

Home Price

$419,000

Down Payment: 20%

$83,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,161

Principal & Interest: $2,161

Property taxes (est.): $684

Insurance (est.): $279

Estimated Total Monthly

$3,124

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,161

Property taxesest. at asking price, Duval County$684

Estimated total, before insurance$2,845/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,624/yr · $219/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	$280,058	$117,082	▲ $50,149
2024	$210,330	$81,148	▲ $10,000
2023	$207,040	$77,329	—
2022	$195,046	$73,621	—
2021	$144,354	$70,021	—
2020	$127,795	$68,364	—

2025 property taxes (current owner): $2,624/yr

Estimated taxes if purchased at asking price: ~$8,200/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 — 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 1962)

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: ~1,614 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