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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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

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Active

Active·115 days on market

1294 Sarahs Landing Drive

Jacksonville, FL 32221

$319,900$192/sqftEst. $1,772/moMLS# 2151134
↓ $5,000 below original list
4
Beds
2
Baths
1,670
Sq Ft
2019
Built
2
Garage
No
Pool
FEMA Zone XHOA $38/mo14,375 sqft lotWaterfrontSingle Family Residence1 story

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Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville

Waterfront Living at Its Finest! Welcome home to this beautiful 4 bedroom, 2 bathroom, 1670sqft., 7 year old home located in desirable Crystal Springs. This waterfront property offers the perfect blend of comfort, space and scenic views. Enjoy breathtaking water views from the backyard and experience the peaceful lifestyle you've been dreaming of. Step inside to discover a spacious and inviting floor plan designed for both everyday living and entertaining. Outside, you'll discover your own private oasis featuring a charming gazebo, the perfect place to enjoy morning coffee, evening sunsets, or gatherings with family and friends. Conveniently located near shopping, dining, schools and major roadways, this gem offers the ideal blend of tranquility and convenience. Don't miss your chance to own this slice of paradise. Schedule your private tour today! NOTE: SELLER WILL PROVIDE BUYER WITH $2500 FLOORING ALLOWANCE AT CLOSING.

Next steps in Jacksonville

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,772
Property taxesest. at asking price, Duval County$522
HOAbilled annually$38
Estimated total, before insurance$2,332/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,143/yr · $262/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$319,900
$63,980
Loan Term
Monthly Payment
$1,772
Principal & Interest: $1,772
Property taxes (est.): $522
Insurance (est.): $213
Estimated Total Monthly
$2,508
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 2019)

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

Solar potential: ~1,752 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$287,191$146,298—
2024$283,326$141,327—
2023$294,480$135,609—
2022$278,113$134,558—
2021$182,435$129,168—
2020$177,188$126,688—

2025 property taxes (current owner): $3,143/yr

Estimated taxes if purchased at asking price: ~$6,300/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.

History

Price & status history

  • Jul 17, 2026Price change$319,900−$5,000
  • Jun 17, 2026Listed$324,900

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 $191/sq ft; this home is listed at $192/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
640 Radnor Lane, Jacksonville, FL 32221Listed by MOMENTUM REALTYAug 2026$255,000$2033/21,255520.4
9739 Villiers Drive S, Jacksonville, FL 32221Listed by JWB REALTY LLCSep 2026$300,000$1754/21,716510.5
9733 N Peabody Drive, Jacksonville, FL 32221Listed by THE LEGENDS OF REAL ESTATESep 2026$265,000$1573/21,689670.5
8869 Rose Hill Drive, Jacksonville, FL 32221Listed by WHOLESALE REALTY LLCSep 2026$305,000$1744/21,751130.8
1206 Jewelstone Lane, Jacksonville, FL 32221Listed by RPB REALTY,INCSep 2026$314,900$1914/21,648540.9
1295 Jewelstone Lane, Jacksonville, FL 32221Listed by RPB REALTY,INCSep 2026$314,900$1914/21,6481771

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.

Features

Price$319,900
Price / Sq Ft$192
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,670
Total Structure Area1,910 sq ft
Acres0.33 acres
Year Built2019
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes

Community Information

Address1294 Sarahs Landing Drive, Jacksonville, FL 32221
Area062-Crystal Springs/Country Creek Area
SubdivisionSarahs Landing
CityJacksonville
CountyDuval
StateFL
Zip Code32221
Lot Size14,374.8 sq ft
Parcel Number0088451940
ZoningResidential

Amenities

Community FeaturesSidewalks, Suburban, Street Lights
UtilitiesCable Available, Cable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewCity
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms
AppliancesDishwasher, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Vinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup
SecuritySecurity System Owned, Smoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchFront Porch
FencingBack Yard, Vinyl, Wrought Iron
RoofShingle
ConstructionFrame, Stucco
Other StructuresGazebo
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJune 18, 2026
Days on Market85
HOA Fees$455 / Annually
HOA FrequencyAnnually
Tax Amount$3,142.65
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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