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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville — a gated community home in Jacksonville.

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Sold

Sold·Closed Aug 3, 2026·22 days on market·Recent sales in Jacksonville

17240 Holmes Mill Avenue

Jacksonville, FL 32226

$420,000sold priceListed at $435,000 · 96.6% of asking$201/sqftMLS# 2149327
4
Beds
2
Baths
2,090
Sq Ft
1990
Built
2
Garage
No
Pool
FEMA Zone AEHOA $58/mo1.68 acresWaterfrontSingle Family Residence1 story

About this home

Jacksonville

Looking for land, privacy, and room for your boat, RV, hobbies, and outdoor toys? Imagine finding it all within one of Jacksonville's most sought-after gated communities. Set on 1.68 acres in Eagle Bend Island, this all-brick home offers the space, flexibility, and lifestyle that's becoming increasingly hard to find. A long, tree-lined driveway welcomes you to the property, which sprawls around you bordered by a canal. Designed for comfortable living and entertaining, the home features a spacious great room, an updated kitchen with breakfast area, a separate dining room, and an indoor laundry room. The generously sized primary suite includes a large walk-in closet and an updated bath with double vanities, a soaking tub, and a separate shower. Three additional bedrooms provide flexibility for family, guests, or a home office.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,326
Property taxesest. at asking price, Duval County$686
HOAbilled annually$58
Estimated total, before insurance$3,071/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,960/yr · $330/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$420,000
$84,000
Loan Term
Monthly Payment
$2,326
Principal & Interest: $2,326
Property taxes (est.): $686
Insurance (est.): $280
Estimated Total Monthly
$3,292
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 1990)

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: ~1,248 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 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$310,330$190,655—
2024$355,740$184,575▲ $76,536
2023$288,227$177,743—
2022$267,264$171,110▲ $13,956
2021$218,118$164,670—
2020$211,707$161,707▲ $9,000

2025 property taxes (current owner): $3,960/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.

History

Price & status history

  • Aug 3, 2026Closed$435,000
  • Jun 8, 2026Listed$435,000

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 $229/sq ft; this home is listed at $208/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
17222 Eagle Bend Boulevard, Jacksonville, FL 32226Listed by WATERMARKE REALTY GROUP LLCSep 2026$449,700$2753/21,635510.2
17028 Eagle Bend Boulevard, Jacksonville, FL 32226Listed by KELLER WILLIAMS ST JOHNSJul 2026$410,000$2113/21,947460.2
17416 Eagle Bend Boulevard, Jacksonville, FL 32226Listed by UNITED REAL ESTATE GALLERYAug 2025$420,000$2353/21,790120.4
16694 Cody Creek Court, Jacksonville, FL 32226Listed by WATSON REALTY CORPJun 2026$460,000$2063/2.52,2311191
16622 Cody Creek Court, Jacksonville, FL 32226Listed by RE/MAX UNLIMITEDAug 2025$365,000$2293/21,5921421.1
16421 Tisons Blf Road, Jacksonville, FL 32218Listed by EXP REALTY LLCSep 2026$307,000$1654/21,860631.4

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

Price$435,000
Price / Sq Ft$208
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,090
Acres1.68 acres
Year Built1990
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

ElementaryLouis Sheffield
MiddleOceanway
HighFirst Coast

Community Information

Address17240 Holmes Mill Avenue, Jacksonville, FL 32226
Area092-Oceanway/Pecan Park
SubdivisionEagle Bend
CityJacksonville
CountyDuval
StateFL
Zip Code32226
Lot Size73,180.8 sq ft
Parcel Number1061040097
ZoningResidential

Amenities

AmenitiesClubhouse, Playground
Community FeaturesGated
UtilitiesCable Available, Electricity Connected, Water Connected
SewerSeptic Tank
Water SourcePublic
ParkingAttached, Garage
ViewCanal, Trees/Woods
Waterfront TypeCanal Front

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Vinyl
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySecurity Gate

Exterior

Patio / PorchRear Porch, Screened
RoofShingle
ConstructionBrick
Other StructuresShed(s)
Road SurfaceAsphalt

Additional Information

Date ListedJune 8, 2026
Days on Market22
HOA Fees$700 / Annually
HOA FrequencyAnnually
HOA Fee IncludesSecurity
Tax Amount$3,959.61
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ERA ONETEAM 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 3, 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.

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20+ years · 500+ closings · NE Florida

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