This home is in Jacksonville.
Active·94 days on market
11357 White Bay Lane
Jacksonville, FL 32225
About this home
Jacksonville
Welcome to this beautifully maintained 2-bedroom, 2.5-bathroom townhome in Jacksonville's desirable Fort Caroline area. Ideally located just minutes from public boat ramps, the Intracoastal Waterway, and Jacksonville's beautiful beaches, this home offers the perfect blend of convenience and coastal living. Inside, you'll find an updated kitchen designed for both style and functionality, along with a spacious layout that provides comfortable living and entertaining spaces. The covered back porch creates the perfect spot to relax and enjoy your morning coffee or unwind at the end of the day. Abundant storage throughout the home ensures you'll have plenty of space for all your belongings. Whether you're looking for a primary residence, vacation getaway, or investment opportunity, this move-in-ready townhome offers an exceptional lifestyle in one of Jacksonville's most sought-after locations.
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $138,649 | $138,649 | — |
| 2024 | $126,579 | $103,107 | ▲ $3,194 |
| 2023 | $119,390 | $93,734 | — |
| 2022 | $107,261 | $85,213 | — |
| 2021 | $79,543 | $77,467 | — |
| 2020 | $70,927 | $70,425 | — |
2025 property taxes (current owner): $2,489/yr
Estimated taxes if purchased at asking price: ~$3,400/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 — 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: material not specified — year not disclosed (home built 1975)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer (public record)
County records show this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,787 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.
History
Price & status history
- Jun 6, 2026Listed$175,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ 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
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines