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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Waterleaf, Jacksonville.

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Sold

Sold·Closed Aug 24, 2026·5 days on market·Recent sales in Waterleaf·Waterleaf

880 Candlebark Drive

Jacksonville, FL 32225

$555,000sold priceListed at $539,900 · 102.8% of asking$200/sqftMLS# 2155712
5
Beds
4
Baths
2,770
Sq Ft
2004
Built
2
Garage
No
Pool

9 more homes for sale in Waterleaf →Search Waterleaf on the map

FEMA Zone XHOA $71/mo9,148 sqft lotSingle Family Residence2 stories

About this home

Waterleaf

Beautifully updated 2,770 sq. ft. home featuring 5 bedrooms and 4 full bathrooms with the perfect blend of space, style, and privacy. This move-in-ready home offers luxury vinyl plank flooring throughout, an updated kitchen with modern finishes, ample workspace, and a unique hidden-door walk-in pantry. Spacious living areas provide plenty of natural light and room for entertaining. The primary suite features a beautifully renovated spa-inspired bathroom, while the additional bathrooms have also been updated. Enjoy the screened porch with outdoor kitchen overlooking a protected preserve for added privacy and peaceful views with no rear neighbors. Conveniently located near shopping, dining, top-rated schools, Jacksonville beaches, and the Naval Station.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,074
Property taxesest. at asking price, Duval County$906
HOAbilled semi-annually$71
Estimated total, before insurance$4,051/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,911/yr · $409/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$555,000
$111,000
Loan Term
Monthly Payment
$3,074
Principal & Interest: $3,074
Property taxes (est.): $906
Insurance (est.): $370
Estimated Total Monthly
$4,350
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2004)

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).

Solar potential: ~1,771 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,911/yr

Estimated taxes if purchased at asking price: ~$10,900/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, NEFMLS.

History

Price & status history

  • Aug 24, 2026Closed$539,900
  • Jul 22, 2026Pending$539,900
  • Jul 16, 2026Listed$539,900

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 $199/sq ft; this home is listed at $195/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
970 Mineral Creek Drive, Jacksonville, FL 32225Listed by CROSSVIEW REALTYSep 2026$440,000$1974/22,234480.1
757 Benton Harbor Drive E, Jacksonville, FL 32225Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$430,000$2163/21,993970.7
12528 Point Park Drive, Jacksonville, FL 32225Listed by WATSON REALTY CORPJul 2026$399,900$1993/22,013371
1656 Hawkins Cove Drive E, Jacksonville, FL 32246Listed by SEFAIR INVESTMENTS, INC.Sep 2026$400,000$1156/43,479241.3
12210 Dove Ridge Drive, Jacksonville, FL 32225Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYAug 2026$435,000$2163/22,017491.3
1693 Timber Crossing Lane, Jacksonville, FL 32225Listed by HERRON REAL ESTATE LLCAug 2026$500,000$1764/32,841201.3

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

Price$539,900
Price / Sq Ft$195
Bedrooms5
Bathrooms4.00
Full Baths4
Square Footage2,770
Acres0.21 acres
Year Built2004
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address880 Candlebark Drive, Jacksonville, FL 32225
Area042-Ft Caroline
SubdivisionWaterleaf
CityJacksonville
CountyDuval
StateFL
Zip Code32225
Lot Size9,147.6 sq ft
Parcel Number1622251890
ZoningResidential

Amenities

Community FeaturesSidewalks, Street Lights
UtilitiesCable Available, Electricity Available, Sewer Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewTrees/Woods

Interior

Interior FeaturesButler Pantry, Ceiling Fan(s), Entrance Foyer, Guest Suite, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Refrigerator, Washer/Dryer Stacked
HeatingCentral, Electric, Hot Water
CoolingElectric
FlooringLaminate
# of Stories2
LevelsOne and One Half
LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

Exterior

Exterior FeaturesCourtyard
Lot DescriptionMany Trees
Patio / PorchCovered, Screened
RoofShingle
ConstructionStucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJuly 16, 2026
Days on Market5
HOA Fees$424 / Semi-Annually
HOA FrequencySemi-Annually
Tax Amount$4,911.15
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS

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.

The neighborhood

About Waterleaf

Waterleaf is a neighborhood in Jacksonville, FL (Duval County), ZIP 32225.

View all Waterleaf homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 24, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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