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 Bartram Creek, Jacksonville — a waterfront home in Jacksonville.

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Active

Active·45 days on market·Bartram Creek

14897 Bartram Creek Boulevard

Jacksonville, FL 32259

$432,000$261/sqftEst. $2,228/moMLS# 2151832

Beds

Baths

1,653

Sq Ft

2016

Built

Garage

Pool

About this home

Bartram Creek

Welcome to your modern oasis in Bartram Creek! This beautifully maintained 4-bedroom, 2-bath home offers peaceful lake views and a thoughtfully designed split floor plan. Built in 2016, this move-in-ready home features an open-concept layout, stylish finishes, and numerous updates, including fresh interior paint, new carpet, updated bathrooms, newer water heater, new lighting, hardware, smoke detectors, and a custom IKEA closet in the fourth bedroom. Enjoy relaxing or entertaining in the fully fenced backyard overlooking the pond. Located just off Racetrack Road with quick access to US-1, I-95, and I-10, you're minutes from Jacksonville, shopping, dining, parks, and top-rated St. Johns and Duval County schools. Community amenities include a resort-style pool, clubhouse, playground, putting green, outdoor fireplace, and scenic walking areas. Optional Samsung smart appliances and Vivint smart home security system are available. Motivated sellers!

Cost to own

Mortgage calculator

Home Price

$432,000

Down Payment: 20%

$86,400

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,228

Principal & Interest: $2,228

Property taxes (est.): $705

Insurance (est.): $288

Estimated Total Monthly

$3,221

*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$2,228

Property taxesest. at asking price, Duval County$705

HOAbilled quarterly$67

Estimated total, before insurance$3,000/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,784/yr · $482/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

Last sold: $425,000 in January 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$345,926	$295,204	—
2024	$332,086	$332,086	—
2023	$347,879	$343,442	▲ $25,000
2022	$312,220	$312,220	▲ $27,000
2021	$241,940	$170,129	—
2020	$224,234	$167,090	▲ $11,343

2025 property taxes (current owner): $5,784/yr

Estimated taxes if purchased at asking price: ~$8,500/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 2016)

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

Solar potential: ~1,770 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