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 Bartram Springs, Jacksonville — a waterfront home in Jacksonville.

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Active

Active·50 days on market·Bartram Springs

15086 Bulow Creek Drive

Jacksonville, FL 32258

$505,000$181/sqftEst. $2,575/moMLS# 2149991

Beds

Baths

2,796

Sq Ft

2005

Built

Garage

Pool

About this home

Bartram Springs

BRING AN OFFER! Spacious 5/3+LOFT with NEW ROOF on lakefront lot. Interior impresses with vaulted ceilings, recessed lights, stunning accent walls, decorative trim work & crown molding, & laminate wood floors. Multi-generational flexible floor plan includes a possible in-law suite via the downstairs bedroom & full bath, an office space or play room in the loft, plus 4 bedrooms upstairs. Private master suite with walk-in closet and well-appointed ensuite bath offers quiet refuge at day's end whether soaking in the garden tub or the tiled glass shower. Meal prep and entertaining is easy in the huge kitchen with breakfast nook and island offering numerous storage cabinets, Corian countertops, and SS appliances. Laundry room upstairs and W/D convey. Nicely landscaped and fenced backyard features large covered lanai with water views. 2 stair spindles being replaced. Natural gas community.

Cost to own

Mortgage calculator

Home Price

$505,000

Down Payment: 20%

$101,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,575

Principal & Interest: $2,575

Property taxes (est.): $825

Insurance (est.): $337

Estimated Total Monthly

$3,736

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,575

Property taxesest. at asking price, Duval County$825

HOAbilled annually$7

Estimated total, before insurance$3,407/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,114/yr · $593/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	$449,946	$264,550	▲ $15,000
2024	$436,190	$256,387	—
2023	$427,715	$247,464	—
2022	$386,966	$238,800	—
2021	$288,105	$230,389	—
2020	$279,813	$226,518	—

2025 property taxes (current owner): $7,114/yr

Estimated taxes if purchased at asking price: ~$9,900/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 2005)

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: ~1,713 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

Jul 24, 2026Price change$505,000−$14,900
Jul 9, 2026Price change$519,900−$13,100
Jun 11, 2026Listed$533,000

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

Features

Price$505,000

Price / Sq Ft$181

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,796

Acres0.25 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

School Information

ElementaryBartram Springs

MiddleTwin Lakes Academy

HighAtlantic Coast

Community Information

Address15086 Bulow Creek Drive, Jacksonville, FL 32258

Area015-Bartram

SubdivisionBartram Springs

CityJacksonville

CountyDuval

StateFL

Zip Code32258

Lot Size10,890 sq ft

Lot Dimensions48' x 207'

Parcel Number1681438010

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Management- On Site, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Natural Gas Available, Sewer Connected, Water Connected

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Entrance Foyer, In-Law Floorplan, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Gas Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Natural Gas

CoolingCentral Air, Electric

FlooringCarpet, Laminate, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Upper Level, Washer Hookup