Skip to main content
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.

Photo 1 / 89
Active

$1,145,0003 bd · 2 ba · 2,356 sq ft

Active·135 days on market

14073 Pine Island Drive

Jacksonville, FL 32224

$1,145,000$486/sqftEst. $6,243/mo mortgageMLS# 2151467
↓ $30,000 below original list
3
Beds
2
Baths
2,356
Sq Ft
1980
Built
2
Garage
Yes
Pool
FEMA Zone AENo HOA0.55 acresWaterfrontSingle Family Residence1 story

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

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

BOAT TO JAGS GAMES, THE OCEAN, RESTAURANTS AND MORE! Waterfront renovated pool home offering the ultimate Florida lifestyle. Nestled just off San Pablo Boulevard- conveniently close to the renowned Mayo Clinic- this stunning property features direct Intracoastal access navigable to the ocean, peaceful preserve views, a private dock, and a 10,000-pound boat lift- making it easy to boat to waterfront dining, downtown events, and even Jaguars games. Designed for year-round enjoyment, the resort-style backyard is fully fenced and beautifully enhanced by professional landscaping and irrigation. Enjoy endless days by the newly converted saltwater pool featuring a new pump, then gather with family and friends at the covered outdoor entertaining area complete with a wet bar and outdoor grill. The spacious Florida room further extends the living space and offers endless possibilities for relaxation and entertaining. A circular driveway welcomes you home, while just inside, the grand

Next steps in New Construction — Jacksonville

FollowNew New Construction — Jacksonville homes the day they list, by email · free

Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$6,243
Property taxesest. at asking price, Duval County$1,870
Estimated total, before insurance$8,112/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$14,153/yr · $1,179/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

$1,145,000
$229,000
Loan Term
Monthly Payment
$6,243
Principal & Interest: $6,243
Property taxes (est.): $1,870
Insurance (est.): $763
Estimated Total Monthly
$8,875
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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 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: Shingle — year not disclosed (home built 1980)

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

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: ~1,614 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, 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.

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

Last sold: $1,050,000 in May 2024(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$885,733$765,199—
2024$706,101$314,506▲ $196,189
2023$523,975$303,890▲ $10,417
2022$496,438$293,583—
2021$433,455$283,576—
2020$422,077$278,971—

2025 property taxes (current owner): $14,153/yr

Estimated taxes if purchased at asking price: ~$22,400/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

  • Sep 8, 2026Price change$1,145,000−$20,000
  • Aug 24, 2026Price change$1,165,000−$10,000
  • Jun 19, 2026Listed$1,175,000

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 $262/sq ft; this home is listed at $486/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2679 Treasure Cove Lane, Jacksonville, FL 32224Listed by HOME SOLD REALTY LLCSep 2026$518,000$2643/21,96520.4
13835 Softwind Trail N, Jacksonville, FL 32224Listed by FLUID REALTY, LLC.Oct 2026$635,000$2594/32,45110.6
13819 Ibis Point Boulevard, Jacksonville, FL 32224Listed by LPT REALTY LLCOct 2026$694,000$2324/32,9941080.7
13891 Ibis Point Boulevard, Jacksonville, FL 32224Listed by HERRON REAL ESTATE LLCOct 2026$545,000$2644/22,06140.7
2388 Covington Creek Drive W, Jacksonville, FL 32224Listed by MOMENTUM REALTYOct 2026$540,000$2623/22,06340.8
3012 San Pablo Road S, Jacksonville, FL 32224Listed by RPB REALTY,INCOct 2026$499,900$2404/22,084430.9

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$1,145,000
Price / Sq Ft$486
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,356
Acres0.55 acres
Year Built1980
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Salt Water
Is WaterfrontYes

School Information

ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address14073 Pine Island Drive, Jacksonville, FL 32224
Area025-Intracoastal West-North Of Beach Blvd
SubdivisionHoliday Harbor
CityJacksonville
CountyDuval
StateFL
Zip Code32224
Lot Size23,958 sq ft
Parcel Number1792890100

Amenities

UtilitiesElectricity Connected, Sewer Connected
Water SourcePublic
ParkingCircular Driveway, Garage
ViewIntracoastal, Protected Preserve

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Double Oven, Electric Range
HeatingCentral
CoolingCentral Air
FlooringTile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1

Exterior

FencingBack Yard, Full
RoofShingle

Additional Information

Date ListedJune 19, 2026
Days on Market135
Tax Amount$14,152.7
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COMPASS FLORIDA LLC

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.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines