This home is in Jacksonville — a waterfront home in Jacksonville.
$845,0003 bd · 4 ba · 2,506 sq ft
Active·142 days on market
1375 Cedar Bay Road
Jacksonville, FL 32218
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
NEW PRICE ADJUSTMENT! SELLER IS ALSO OFFERING UP TO $10,000 TOWARD A BUYER'S INTEREST-RATE BUYDOWN WITH AN ACCEPTABLE OFFER, SUBJECT TO LENDER APPROVAL AND FINANCING TERMS. This valuable incentive may help qualified buyers reduce their initial monthly mortgage payments. BROWARD RIVER RETREAT WITH PRIVATE DOCK & CREATIVE STUDIO! This one-of-a-kind 3BR/4BA riverfront home offers charm, privacy, water access, and exceptional flexibility. Built with timbers from Canada and handcrafted block brick, the home has distinctive cottage-style character reminiscent of the English countryside. Interior highlights include hardwood floors, a fireplace, spacious living areas, upstairs laundry, and a large primary retreat with an ensuite bath, multiple closets, coffee bar, and river-view dormer sitting area. The expanded kitchen features custom cabinetry, deep drawers, a center island, open shelving, coffee bar, and a butler's pantry with extensive storage.
Next steps in Jacksonville
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 1951)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · 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: ~1,531 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.
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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Bluffs Scenic Trail, Big Talbot Island State Parkabout 11 mi · 35 parking spaces
Closest park or preserve
Reddie Point Preserveabout 3 mi · 1.2 mi of trails
Closest public boat ramp
Bert Maxwell Boat Rampabout 3 mi · St. Johns River - Trout River (Jacksonville)
Closest kayak & paddleboard launch
Reddie Point Preserve Canoe Accessabout 3 mi · St. Johns River
Closest youth league fields
Oceanway Community Center, Park and Poolabout 2 mi · Swimming
Closest grocery store
Sam's Clubabout 2 mi · 300 Busch Dr, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $450,068 | $274,823 | — |
| 2024 | $430,401 | $271,230 | ▼ $298 |
| 2023 | $454,816 | $261,874 | ▲ $33,667 |
| 2022 | $406,304 | $252,791 | — |
| 2021 | $354,469 | $243,972 | — |
| 2020 | $331,120 | $239,914 | — |
2025 property taxes (current owner): $5,423/yr
Estimated taxes if purchased at asking price: ~$16,600/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
- Jul 21, 2026Price change$845,000−$15,000
- Jun 21, 2026Listed$860,000
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 $141/sq ft; this home is listed at $337/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 11100 Emuness Road, Jacksonville, FL 32218Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2026 | $574,900 | $256 | 4/3 | 2,250 | 69 | 0.8 |
| 546 Baisden Road, Jacksonville, FL 32218Listed by ALLISON JAMES ESTATES AND HOMES FLORIDA | Sep 2026 | $170,000 | $91 | 3/2 | 1,858 | 56 | 0.9 |
| 270 Amber Ridge Road, Jacksonville, FL 32218Listed by MOMENTUM REALTY | Oct 2026 | $370,000 | $133 | 4/3.5 | 2,775 | 45 | 1 |
| 11524 Princessa Lane, Jacksonville, FL 32218Listed by CB ISAAC REALTY | Sep 2026 | $248,000 | $141 | 3/2 | 1,754 | 87 | 1.1 |
| 11535 Renne Drive, Jacksonville, FL 32218Listed by CROSSVIEW REALTY | Aug 2026 | $314,500 | $129 | 5/3 | 2,443 | 56 | 1.5 |
| 12113 Jade Point Court, Jacksonville, FL 32218Listed by EXP REALTY LLC | Sep 2026 | $375,000 | $151 | 4/2.5 | 2,482 | 30 | 1.7 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ALTA REAL ESTATE GROUP
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.
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Krista Fracke
Broker Associate
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Is this home priced right?
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines