This home is in Jacksonville.

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Active

Active·28 days on market

5436 Waterside Drive

Jacksonville, FL 32210

$492,500$247/sqftEst. $2,511/moMLS# 2152288

Beds

Baths

1,995

Sq Ft

1954

Built

Garage

Pool

About this home

Jacksonville

Waterfront living at an incredible value! Nestled along the scenic Cedar River just minutes from the wide-open waters of the St. Johns River, this property offers the perfect blend of tranquility, recreation, and convenience. Enjoy your own private waterfront retreat complete with a dock, boat lift, and expansive deck--ideal for boating, fishing, entertaining, or simply soaking in Northeast Florida's breathtaking sunsets. Inside, you'll find a beautifully updated kitchen with casual dining space overlooking the backyard and water beyond, as well as a separate formal dining room for gatherings and special occasions. The spacious primary suite features a private en suite bath, while a dedicated flex space provides the perfect home office, hobby room, or study. Two additional bedrooms offer plenty of room for family and guests. Major updates provide peace of mind, including a new roof (2021), HVAC system (2022), and updated windows throughout most of the home. Waterfront properties with

Cost to own

Mortgage calculator

Home Price

$492,500

Down Payment: 20%

$98,500

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,511

Principal & Interest: $2,511

Property taxes (est.): $804

Insurance (est.): $328

Estimated Total Monthly

$3,644

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,511

Property taxesest. at asking price, Duval County$804

Estimated total, before insurance$3,315/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,159/yr · $263/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	$302,788	$147,238	—
2024	$274,271	$142,381	▼ $365
2023	$274,680	$136,778	—
2022	$264,480	$131,338	—
2021	$178,219	$126,057	—
2020	$173,627	$123,627	—

2025 property taxes (current owner): $3,159/yr

Estimated taxes if purchased at asking price: ~$9,700/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: material not specified — 2021 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Likely septic · Public water · JEA

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: ~1,465 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 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