This home is in Jacksonville — a waterfront home in Jacksonville.
$499,0003 bd · 2 ba · 1,981 sq ft
Active·7 days on market
1900 E Holly Oaks Lake Road E
Jacksonville, FL 32225
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About this home
Jacksonville
Lakefront views and exceptional privacy on a 1.4-acre lot can be yours, offering a rare opportunity to own this private lakefront retreat in the desirable Holly Oaks area of Jacksonville. Nestled among mature trees and set back from the road, this property offers serene waterfront views, exceptional privacy, and a peaceful natural setting just minutes from Jacksonville conveniences. Built as the original model home, the residence features sweeping lake views from multiple rooms, including the kitchen, living areas, and bedrooms. The long private driveway and elevated setting create a unique sense of seclusion and tranquility. Offered AS-IS, the home presents a rare opportunity to restore and personalize a truly special property. With its rare combination of acreage, idyllic waterfront setting, and unique historic character, this property offers exceptional potential for those seeking privacy, natural beauty, and a place to call home.
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.
The house sits in FEMA Zone X (minimal flood hazard)
Zone AE covers 6% of this 1.4-acre lot, away from the house; the rest is Zone X (shaded, 0.2% chance) 4% and Zone X (minimal) 90%. The house's position comes from its roof outline in Google's aerial imagery, read against FEMA's map. The lender's flood determination, a survey or an elevation certificate makes it official.
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 1947)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · Private well (public 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: ~1,353 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Kathryn Abbey Hanna Park (10 & 11)about 8 mi · 200 parking spaces
Closest park or preserve
Theodore Roosevelt Area and Fort Caroline (Timucuan Preserve)about 3 mi · 9.3 mi of trails
Closest public boat ramp
Fulton Road Unimproved Landingabout 3 mi · St. Johns River
Closest kayak & paddleboard launch
Joe Carlucci Sisters Creek Park – Paddlecraft Launch Beachabout 5 mi · St. Johns River
Closest youth league fields
Ed Austin Regional Parkabout 2 mi · Baseball, Softball, Soccer
Closest grocery store
Aldiabout 0.5 mi · 1531 Monument Rd, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 6:46 AM, sunset 5:34 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
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 | $314,245 | $314,245 | — |
| 2024 | $291,339 | $291,339 | ▲ $7,273 |
| 2023 | $292,254 | $292,254 | ▼ $1,705 |
| 2022 | $277,507 | $270,169 | — |
| 2021 | $245,609 | $245,609 | — |
| 2020 | $223,381 | $223,381 | ▲ $5,754 |
2025 property taxes (current owner): $5,300/yr
Estimated taxes if purchased at asking price: ~$9,800/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
- Nov 1, 2026Active$499,000
- Sep 1, 2026Pending$499,000
- Jun 6, 2026Listed$499,000
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 $213/sq ft; this home is listed at $252/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1736 Holly Oaks Ravine Drive, Jacksonville, FL 32225Listed by INI REALTY | Oct 2026 | $270,000 | $134 | 4/2.5 | 2,008 | 17 | 0.6 |
| 10990 Creekview Drive, Jacksonville, FL 32225Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Sep 2026 | $440,000 | $172 | 3/3.5 | 2,560 | 4 | 0.7 |
| 1625 Monument Oaks Drive, Jacksonville, FL 32225Listed by SOUND INVESTMENTS REAL ESTATE | Oct 2026 | $290,000 | $192 | 3/2 | 1,512 | 1 | 0.9 |
| 10954 Heathfield Road, Jacksonville, FL 32225Listed by RE/MAX UNLIMITED | Oct 2026 | $430,000 | $213 | 4/2 | 2,022 | 109 | 0.9 |
| 2159 Broad Water Drive, Jacksonville, FL 32225Listed by WATSON REALTY CORP | Oct 2026 | $554,000 | $217 | 4/2.5 | 2,555 | 30 | 1 |
| 9243 Dale View Lane W, Jacksonville, FL 32225Listed by COASTAL CHARM REALTY, LLC | Sep 2026 | $325,000 | $219 | 3/2 | 1,486 | 46 | 1 |
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: MOMENTUM 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
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