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This home is in Jacksonville — a waterfront home in Jacksonville.

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Active Under Contract

Active Under Contract·51 days on market

11100 Emuness Road

Jacksonville, FL 32218

$574,900$256/sqftEst. $2,931/moMLS# 2150183

Beds

Baths

2,250

Sq Ft

1998

Built

Garage

Pool

About this home

Jacksonville

Owner Financing offered!! Stunning 4BR/3BA custom coastal tidal waterfront home in San Mateo with breathtaking Broward River views! This two-story residence features a wide-open floor plan highlighted by newly refinished wood floors and massive windows framing incredible water vistas. The spectacular, brand-new chef's kitchen boasts premium custom cabinetry, high-end appliances, and a large central island opening directly into the spacious living room. Step outside onto the expansive second-story back deck to enjoy panoramic riverfront relaxation. The versatile downstairs layout offers an ideal multi-generational or guest setup, featuring a large bedroom with a private kitchenette and laundry with a dedicated home office--all while maintaining gorgeous views of the river. Combining modern luxury updates with an irreplaceable waterfront location, this coastal gem is an absolute must-see! With an acceptable offer the seller will replace one of the AC's.

Cost to own

Mortgage calculator

Home Price

$574,900

Down Payment: 20%

$114,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,931

Principal & Interest: $2,931

Property taxes (est.): $939

Insurance (est.): $383

Estimated Total Monthly

$4,253

*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$2,931

Property taxesest. at asking price, Duval County$939

Estimated total, before insurance$3,870/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,965/yr · $580/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	$410,759	$360,037	—
2024	$423,196	$357,405	▲ $22,156
2023	$415,784	$324,914	▲ $50,150
2022	$353,239	$295,377	▲ $39,956
2021	$268,525	$268,525	▲ $7,590
2020	$254,179	$254,179	—

2025 property taxes (current owner): $6,965/yr

Estimated taxes if purchased at asking price: ~$11,300/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 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: Metal — year not disclosed (home built 1998)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Likely septic · Public water (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: ~1,726 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 5, 2026Active Under Contract$574,900
Jul 15, 2026Price change$574,900−$9,100
Jun 15, 2026Listed$584,000

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

Features

Price$574,900

Price / Sq Ft$256

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,250

Total Structure Area4,419 sq ft

Acres0.18 acres

Year Built1998

TypeResidential

Sub-TypeSingle Family Residence

StyleA-Frame

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

# of Carport Spaces2

Has PoolNo

Is WaterfrontYes

Community Information

Address11100 Emuness Road, Jacksonville, FL 32218

Area095-San Mateo/Eastport

SubdivisionSan Mateo

CityJacksonville

CountyDuval

StateFL

Zip Code32218

Lot Size7,840.8 sq ft

Parcel Number1098210000

Amenities

UtilitiesCable Available

SewerSeptic Tank

Water SourcePublic

ParkingAdditional Parking, Carport, Covered, Garage

ViewRiver

Waterfront TypeNavigable Water, No Fixed Bridges, River Access, River Front

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Kitchen Island, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Electric Oven, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air, Split System, Wall/Window Unit(s)

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

# of Stories2

LevelsTwo

Exterior

Exterior FeaturesBoat Ramp - Private, Dock

Lot DescriptionDead End Street

Patio / PorchCovered, Deck, Patio, Porch

FencingFenced, Wood

RoofMetal

ConstructionBlock, Fiber Cement

Road SurfaceAsphalt

Road FrontageCity Street

Additional Information

Date ListedJune 15, 2026

Days on Market51

Tax Amount$6,964.64

Tax Year2025

Listing TermsCash, Conventional, FHA, Owner May Carry, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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