This home is in Jacksonville — a home near Sandalwood High School.
Pending·57 days on market
1313 Chinook Trail
Jacksonville, FL 32225
About this home
Jacksonville
This beautifully updated home offers character, functionality, and location, with no HOA and quick access to NS Mayport and the Beaches. Inside: LVP throughout, a remodeled kitchen with butcher block countertops, open shelving, updated cabinetry, a tankless gas water heater, and a gas range/dual oven. Both bathrooms are tastefully renovated, while the living room features a stunning stone fireplace with a new fireplace box and warm wood ceilings that add rustic charm. Major updates include hurricane impact windows and doors installed in 2021, a new HVAC system installed in 2025, and a NEW ROOF INSTALLED on 7/03/26! Outside, the property is built for flexibility and entertaining with a metal RV carport with hookups, a screened lanai, and a fenced backyard shaded by mature trees. Garage upgrades include a screen door system, a functional bar area, and a separate secure air-conditioned office space. *Seller is a licensed Florida real estate agent and appraiser
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $253,036 | $153,574 | — |
| 2024 | $252,175 | $148,539 | ▼ $14,947 |
| 2023 | $274,806 | $142,757 | ▲ $46,248 |
| 2022 | $220,557 | $137,143 | — |
| 2021 | $192,226 | $190,232 | — |
| 2020 | $172,939 | $172,939 | — |
2025 property taxes (current owner): $3,272/yr
Estimated taxes if purchased at asking price: ~$8,300/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 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 1979)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · 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: ~1,298 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs 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 15, 2026Pending$425,000
- Jul 23, 2026Price change$425,000−$14,900
- Jul 14, 2026Price change$439,900−$10,000
- Jun 19, 2026Listed$449,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: EXIT 1 STOP REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
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Your Local Realtor
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.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines
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