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This home is in Jacksonville — a pool home in Jacksonville.

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Active

Active·44 days on market

11563 Sedgemoore Drive

Jacksonville, FL 32223

$508,900$201/sqftEst. $2,619/moMLS# 2153810

Beds

Baths

2,528

Sq Ft

1982

Built

Garage

Yes

Pool

About this home

Jacksonville

Reduced again! Welcome to the charming, established and desirable Mandarin neighbood of Ramsgate with voluntary HOA and NO CDDs! This 4 BR POOL home sits on just shy of a 1/3 acre with expansive private and fenced backyard with plenty of room for entertaining, and storing all your toys. Bring the boat and RV here and still have space to park multiple cars in the driveway. Recent updates over past 3 years include Roof and DW - 2023. HVAC - 2024, Ext Paint, Water heater, Fridge - 2025, and W/D - 2026. Primary BR and ensuite on ground floor, along with 4th BR currently utilized as Guest room/studio/office. Expansive Florida room provides fantastic lounging area and extension to pool and outdoor fun. Stairs provide access to large landing/sitting area, 2nd and 3rd bedrooms and bath. Kitchen with maple cabinets, granite counters, newer appliances, and eat-in kitchen. 2-car garage with side enty. Additional storage shed and large boat cover canopy in rear stay.

Cost to own

Mortgage calculator

Home Price

$508,900

Down Payment: 20%

$101,780

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,619

Principal & Interest: $2,619

Property taxes (est.): $831

Insurance (est.): $339

Estimated Total Monthly

$3,789

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$2,619

Property taxesest. at asking price, Duval County$831

Estimated total, before insurance$3,450/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,053/yr · $338/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	$368,574	$197,610	▲ $18,756
2024	$350,487	$191,334	▲ $7,646
2023	$384,463	$184,305	▲ $39,234
2022	$331,180	$177,481	—
2021	$259,690	$170,856	▲ $15,733
2020	$237,353	$167,807	—

2025 property taxes (current owner): $4,053/yr

Estimated taxes if purchased at asking price: ~$10,000/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 D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 1982)

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).

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

Aug 17, 2026Price change$508,900−$6,000
Jul 30, 2026Price change$514,900−$5,000
Jul 14, 2026Price change$519,900−$15,000
Jul 4, 2026Listed$534,900

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

Features

Price$508,900

Price / Sq Ft$201

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,528

Acres0.32 acres

Year Built1982

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontNo

Community Information

Address11563 Sedgemoore Drive, Jacksonville, FL 32223

Area014-Mandarin

SubdivisionRamsgate

CityJacksonville

CountyDuval

StateFL

Zip Code32223

Lot Size13,939.2 sq ft

Lot Dimensions110 x 120

Parcel Number1563001512

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, RV Access/Parking

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Oven, Electric Range, Electric Water Heater, Microwave, Plumbed For Ice Maker, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Laminate, Tile

FireplaceYes

# of Fireplaces1

# of Stories2

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySecurity System Owned