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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 Queens Harbour, Jacksonville — a gated community home in Jacksonville.

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Sold

Sold·Closed Aug 24, 2026·18 days on market·Recent sales in Queens Harbour·Queens Harbour

1126 Shipwatch Drive E

Jacksonville, FL 32225

$2,950,000sold priceListed at $2,999,999 · 98.3% of asking$503/sqftMLS# 2156223
6
Beds
6.5
Baths
5,860
Sq Ft
2003
Built
3
Garage
Yes
Pool

8 more homes for sale in Queens Harbour →Search Queens Harbour on the map

FEMA Zone XHOA $373/mo0.50 acresWaterfrontSingle Family Residence2 stories

About this home

Queens Harbour

Experience luxury waterfront living in the prestigious gated Queens Harbour Yacht & Country Club. This meticulously maintained estate offers a private 40 foot dock on Queens Harbour's freshwater lagoon with direct Intracoastal Waterway and Atlantic Ocean access through the community's one of a kind lock system. Designed for both everyday living and entertaining, the home features two primary suites on the main level, a dedicated movie theater, multiple gathering spaces, and an oversized three car garage. The resort style backyard showcases a heated saltwater pool and spa, outdoor kitchen, gas fire pit, and pergola. Extensive updates include a new roof (2025), new windows and doors with transferable warranties, updated HVAC systems, spray foam insulation, whole home dehumidification, and a Savant whole home audio system. Minutes from Atlantic Beach, Mayo Clinic, and St. Johns Town Center. Championship golf, tennis, pickleball, private marina, and 24 hour guard gated security.

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$16,340
Property taxesest. at asking price, Duval County$4,817
HOAbilled quarterly$373
Estimated total, before insurance$21,530/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$21,285/yr · $1,774/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

$2,950,000
$590,000
Loan Term
Monthly Payment
$16,340
Principal & Interest: $16,340
Property taxes (est.): $4,817
Insurance (est.): $1,967
Estimated Total Monthly
$23,124
*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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: Tile — 2025 per the listing

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

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: ~1,793 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): $21,285/yr

Estimated taxes if purchased at asking price: ~$57,800/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$2,999,999
  • Aug 18, 2026Pending$2,999,999
  • Aug 10, 2026Active Under Contract$2,999,999
  • Jul 22, 2026Active$2,999,999
  • Jul 20, 2026Listed$2,999,999

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 $374/sq ft; this home is listed at $512/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1037 Shipwatch Drive E, Jacksonville, FL 32225Listed by ONE SOTHEBY'S INTERNATIONAL REALTYOct 2026$1,800,000$3744/4.54,8181500.2
1049 Shipwatch Drive E, Jacksonville, FL 32225Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTAug 2026$1,550,000$3173/44,882620.2
1326 Charter Court E, Jacksonville, FL 32225Listed by PREMIER HOMES REALTY INCJun 2026$2,520,000$4955/6.55,091640.2
1243 Windsor Harbor Drive, Jacksonville, FL 32225Listed by THE LEGENDS OF REAL ESTATEApr 2026$1,750,000$4015/44,3631340.3
1372 Windsor Harbor Drive, Jacksonville, FL 32225Listed by ONE SOTHEBY'S INTERNATIONAL REALTYSep 2026$1,300,000$3085/44,224270.4
1513 Nottingham Knoll Drive, Jacksonville, FL 32225Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJul 2026$1,200,000$2586/44,656270.7

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$2,999,999
Price / Sq Ft$512
Bedrooms6
Bathrooms6.50
Full Baths6
Half Baths1
Square Footage5,860
Acres0.50 acres
Year Built2003
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages3
Has PoolYes
Pool FeaturesIn Ground, Gas Heat, Heated, Salt Water, Screen Enclosure, Waterfall
Is WaterfrontYes

Community Information

Address1126 Shipwatch Drive E, Jacksonville, FL 32225
Area043-Intracoastal West-North Of Atlantic Blvd
SubdivisionQueens Harbour Cc
CityJacksonville
CountyDuval
StateFL
Zip Code32225
Lot Size21,780 sq ft
Lot Dimensions120 X 185
Parcel Number1671271630

Amenities

AmenitiesPool, Boat Dock, Boat Launch, Boat Slip, Children's Pool, Clubhouse, Fitness Center, Gated, Golf Course, Jogging Path, Maintenance Grounds, Management - Full Time, Marina, Park, Pickleball, Playground, Racquetball, Security, Tennis Court(s), Water
Community FeaturesSidewalks, Fishing, Restaurant, Gated
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected, Propane
Water SourcePublic
ParkingAdditional Parking, Attached, Circular Driveway, Garage, Garage Door Opener
ViewCanal, Intracoastal, Marina, Water

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Home, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar
AppliancesDishwasher, Disposal, Double Oven, Dryer, Freezer, Gas Cooktop, Gas Oven, Gas Range, Ice Maker, Microwave, Refrigerator, Trash Compactor, Washer, Water Softener Owned, Wine Cooler
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Marble, Tile, Wood
FireplaceYes
# of Fireplaces2
Fireplace FeaturesGas
# of Stories2
LevelsMulti/Split, Two
LaundryElectric Dryer Hookup, In Unit, Washer Hookup
Security24 Hour Security, Gated with Guard, Security Gate, Security Lights
Spa FeaturesIn Ground

Exterior

Exterior FeaturesBalcony, Courtyard, Dock, Fire Pit, Outdoor Kitchen
Patio / PorchCovered, Deck, Patio, Porch, Screened, Terrace
RoofTile
ConstructionStucco
Other StructuresOutdoor Kitchen

Additional Information

Date ListedJuly 22, 2026
Days on Market18
HOA Fees$1,119 / Quarterly
HOA FrequencyQuarterly
Tax Amount$21,284.94
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLUID REALTY, LLC.

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 Queens Harbour

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

View all Queens Harbour 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.

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20+ years · 500+ closings · NE Florida

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