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 Rive St Johns, Jacksonville — a waterfront home in Jacksonville.

1 / 52

Active

Active·53 days on market·Rive St Johns

5041 Cape Romain Court

Jacksonville, FL 32277

$549,000$214/sqftEst. $2,831/moMLS# 2150603

Beds

Baths

2,570

Sq Ft

1997

Built

Garage

Pool

About this home

Rive St Johns

Welcome to 5041 Cape Romain Ct, a beautifully updated lakefront home on nearly 1 acre in the desirable Rive St. Johns community. This 4-bedroom, 3-bath home offers 2,570 sq ft of modern living with a 2022 chef's kitchen featuring KitchenAid appliances, double ovens, propane cooktop, quartzite countertops, and custom wood cabinetry. The spacious primary suite includes a sitting area, spa-like bath, and soaking tub. Enjoy hardwood floors in bedrooms, updated LVP and tile throughout, and a private in-law suite. Outside, relax or entertain on the expansive paver patio with custom pergola, fire pit, and mature fruit trees. The lake connects to the river, offering fishing from your backyard. Additional features include a 2021 roof, new 2026 water heater, whole-house water filtration, smart home upgrades, EV-ready garage, low HOA, and one of the highest elevations in the neighborhood--not in a flood zone.

Cost to own

Mortgage calculator

Home Price

$549,000

Down Payment: 20%

$109,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,831

Principal & Interest: $2,831

Property taxes (est.): $896

Insurance (est.): $366

Estimated Total Monthly

$4,094

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,831

Property taxesest. at asking price, Duval County$896

HOAbilled annually$25

Estimated total, before insurance$3,753/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,623/yr · $385/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	$405,950	$229,570	▲ $18,588
2024	$388,766	$222,393	—
2023	$404,252	$214,460	—
2022	$344,055	$206,758	—
2021	$291,357	$199,280	▲ $7,000
2020	$276,416	$195,839	—

2025 property taxes (current owner): $4,623/yr

Estimated taxes if purchased at asking price: ~$10,800/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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 — 2021 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: ~1,585 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