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 Jacksonville — a waterfront home in Jacksonville.

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Active Under Contract

Active Under Contract·46 days on market

19045 Waterville Road

Jacksonville, FL 32226

$1,049,000$403/sqftEst. $5,410/moMLS# 2151822

Beds

Baths

2,600

Sq Ft

2018

Built

Garage

Pool

About this home

Jacksonville

Waterfront Oasis on 1.79 Acres, Marsh Views, Navigable Water & Paddleboarding from your backyard. Escape to serene coastal living in this beautiful single-family home 2,600 sq ft of living space plus an additional 2,699 sq ft on the first level. This 3-bedroom, 2.5-bathroom plus an office, has generous room for comfortable living and entertaining. Inside an open layout highlighted by triple sliders in the living room and kitchen that connects indoor and outdoor spaces. Living room also features a gas fireplace. Wake up each morning in the primary bedroom and enjoy your private balcony overlooking the marsh. The primary bedroom includes a walk in closet. The expansive backyard is ideal for a dock or pool. The large first-level offers flexibility for a home office, guest suite, workshop, car collection, gym or storage. No HOA means total freedom to enjoy your slice of paradise. This island community offers: boat launch, pickle ball, nature trails, seasonal farmers market, Food trucks.

Cost to own

Mortgage calculator

Home Price

$1,049,000

Down Payment: 20%

$209,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$5,410

Principal & Interest: $5,410

Property taxes (est.): $1,713

Insurance (est.): $699

Estimated Total Monthly

$7,822

*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$5,410

Property taxesest. at asking price, Duval County$1,713

Estimated total, before insurance$7,122/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,417/yr · $951/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	$820,751	$611,018	—
2024	$823,625	$593,091	—
2023	$809,363	$574,361	—
2022	$618,747	$556,176	▼ $120,330
2021	$628,742	$534,005	▲ $48,762
2020	$617,955	$525,942	▲ $20,750

2025 property taxes (current owner): $11,417/yr

Estimated taxes if purchased at asking price: ~$20,600/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.

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 2018)

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: ~1,682 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

Price & status history

Jul 7, 2026Active Under Contract$1,049,000
Jun 22, 2026Listed$1,049,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,049,000

Price / Sq Ft$403

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,600

Total Structure Area5,299 sq ft

Acres1.73 acres

Year Built2018

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages3

Has PoolNo

Is WaterfrontYes

School Information

ElementaryNew Berlin

MiddleOceanway

HighFirst Coast

Community Information

Address19045 Waterville Road, Jacksonville, FL 32226

Area096-Ft George/Blount Island/Cedar Point

SubdivisionBlack Hammock Island

CityJacksonville

CountyDuval

StateFL

Zip Code32226

Lot Size75,358.8 sq ft

Parcel Number1596650345

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Water Connected

SewerSeptic Tank

Water SourceWell

ParkingAdditional Parking, Attached, Garage, Garage Door Opener

ViewWater

Waterfront TypeMarsh, Navigable Water

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s)

AppliancesDishwasher, Disposal, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringTile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LaundryElectric Dryer Hookup, Washer Hookup