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This home is in Bartram Springs, Jacksonville — a home near Atlantic Coast High School.

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Active Under Contract

Active Under Contract·63 days on market·Bartram Springs

14916 W Fern Hammock Drive

Jacksonville, FL 32258

$459,000$184/sqftEst. $2,362/moMLS# 2149349

Beds

Baths

2,492

Sq Ft

2004

Built

Garage

Pool

About this home

Bartram Springs

Beautifully maintained, this spacious 4-bedroom, 3-bath home offers nearly 2,500 square feet of thoughtfully designed living space in the highly sought-after Bartram Springs community with exceptional resort-style amenities. Featuring a newer roof (2022), a beautifully renovated primary bathroom, gorgeous Brazilian cherry hardwood floors, fresh interior paint, and an expanded paver patio, this home offers a functional, versatile floor plan designed for comfortable everyday living. Step inside to high ceilings and inviting living spaces designed for both everyday living and entertaining. A formal dining room, open-concept family room, and private flex room with French doors provide exceptional flexibility for a home office, playroom, study, media room, or additional living space to suit your needs. The spacious kitchen opens to the family room and features white cabinetry, stainless steel appliances, a gas range, a stylish tile backsplash, ample counter space, and a center island

Cost to own

Mortgage calculator

Home Price

$459,000

Down Payment: 20%

$91,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,362

Principal & Interest: $2,362

Property taxes (est.): $750

Insurance (est.): $306

Estimated Total Monthly

$3,418

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$2,362

Property taxesest. at asking price, Duval County$749

HOAbilled annually$7

Estimated total, before insurance$3,119/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,823/yr · $735/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

Last sold: $482,000 in May 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$411,645	$360,923	▲ $15,000
2024	$397,777	$397,777	—
2023	$389,155	$208,668	—
2022	$351,878	$201,134	—
2021	$262,472	$193,820	—
2020	$255,108	$190,454	—

2025 property taxes (current owner): $8,823/yr

Estimated taxes if purchased at asking price: ~$9,000/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 — 2022 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,763 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

Aug 13, 2026Active Under Contract$459,000
Aug 2, 2026Price change$459,000−$10,000
Jul 21, 2026Price change$469,000−$10,000
Jun 11, 2026Listed$479,000

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

Features

Price$459,000

Price / Sq Ft$184

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,492

Total Structure Area3,123 sq ft

Acres0.15 acres

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryBartram Springs

MiddleTwin Lakes Academy

HighAtlantic Coast

Community Information

Address14916 W Fern Hammock Drive, Jacksonville, FL 32258

Area015-Bartram

SubdivisionBartram Springs

CityJacksonville

CountyDuval

StateFL

Zip Code32258

Lot Size6,534 sq ft

Parcel Number1681434800

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Jogging Path, Park, Playground, Sauna, Tennis Court(s)

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Gas Oven, Gas Range, Microwave, Washer

HeatingElectric

CoolingCentral Air

FlooringCarpet, Tile, Wood

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup