This home is in Jacksonville.
$730,0009 bd · 5 ba · 2,700 sq ft
Active·30 days on market
865 Cole Road
Jacksonville, FL 32218
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About this home
Jacksonville
Two residences, room to spread out, and a North Jacksonville location. Set on 1.36 acres in Oceanway, 865 Cole Road offers a primary residence plus a separate in-law home, a layout that gives buyers several ways to use the property. Explore a rental investment or a combination of personal living space and rental use. Features include tile flooring, a metal roof, separate electric meters, a gated entrance, a paved driveway, carports, and an RV pad with hookups. The detached home adds a separate living space, while the grounds provide room for parking and outdoor use. Convenient to I-95, I-295, Jacksonville International Airport, and River City Marketplace. Buyers should verify permitted uses, square footage, leases, and property systems during due diligence.
Next steps in Jacksonville
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Mostly Zone X (shaded): 82% of this 1.4-acre lot is outside FEMA's high-risk flood zones
The other 18% is Zone AE (18%). Lenders decide flood insurance by where the house itself stands; the lender's flood determination, a survey or an elevation certificate settles that.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone E
Zone E evacuates after zones A, B, C, D in an approaching storm.
Roof: material not specified — year not disclosed (home built 1948)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Public water (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: ~1,240 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 homeAs 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.
Closest beach parking
Bluffs Scenic Trail, Big Talbot Island State Parkabout 11 mi · 35 parking spaces
Closest park or preserve
Reddie Point Preserveabout 6 mi · 1.2 mi of trails
Closest public boat ramp
Riverview Park Boat Rampabout 5 mi · St. Johns River - Trout River (Jacksonville)
Closest kayak & paddleboard launch
North Shore Park Kayak Launchabout 5 mi · St. Johns River - Trout River (Jacksonville)
Closest youth league fields
Oceanway Community Center, Park and Poolabout 0.8 mi · Swimming
Closest grocery store
BJ's Wholesale Clubabout 0.5 mi · 12884 City Center Blvd, Jacksonville
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: $230,000 in April 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $245,452 | $0 | — |
| 2024 | $220,422 | $0 | — |
| 2023 | $228,527 | $0 | ▼ $16,779 |
| 2022 | $238,456 | $238,456 | — |
| 2021 | $260,435 | $254,085 | ▲ $22,332 |
| 2020 | $230,987 | $230,987 | — |
2025 property taxes (current owner): $764/yr
Estimated taxes if purchased at asking price: ~$14,300/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
- Oct 7, 2026Active$730,000
- Aug 23, 2026Pending$730,000
- Aug 17, 2026Price change$730,000−$20,000
- Jul 9, 2026Listed$750,000
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 $166/sq ft; this home is listed at $270/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 542 Avalon Woods Lane, Jacksonville, FL 32218Listed by LENNAR REALTY INC | Oct 2026 | $362,000 | $160 | 4/3.5 | 2,263 | 135 | 1 |
| 545 Avalon Woods Lane, Jacksonville, FL 32218Listed by LENNAR REALTY INC | Sep 2026 | $369,985 | $177 | 4/3 | 2,094 | 54 | 1 |
| 554 Avalon Woods Lane, Jacksonville, FL 32218Listed by LENNAR REALTY INC | Oct 2026 | $348,320 | $166 | 4/3 | 2,094 | 109 | 1.1 |
| 578 Avalon Woods Lane, Jacksonville, FL 32218Listed by LENNAR REALTY INC | Oct 2026 | $339,985 | $163 | 4/3 | 2,084 | 299 | 1.1 |
| 538 Avalon Woods Lane, Jacksonville, FL 32218Listed by LENNAR REALTY INC | Oct 2026 | $349,985 | $167 | 4/3 | 2,094 | 55 | 1.1 |
| 549 Avalon Woods Lane, Jacksonville, FL 32218Listed by LENNAR REALTY INC | Sep 2026 | $359,985 | $159 | 4/3.5 | 2,263 | 82 | 1.1 |
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
School Information
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: EPIQUE REALTY, INC
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.
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Krista Fracke
Broker Associate
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