This home is in Jacksonville — a waterfront home in Jacksonville.
$950,000Sold4 bd · 3 ba · 4,259 sq ft
Sold·Closed Oct 21, 2026·26 days on market·Recent sales in Jacksonville
1045 Cedar Bay Road
Jacksonville, FL 32218
About this home
Jacksonville
Waterfront living on the Broward River with deep-water access to the St. Johns River! Situated on 1.12 fully fenced acres, this Cape Cod-style home offers 4,237 sq. ft., a private dock with boat lift, pool with waterfall & incredible privacy with only one neighboring home and no homes directly across the street. Inside you'll find 4 oversized bedrooms, 2 full & 2 half baths, including a main-floor primary suite. Every bedroom offers beautiful river views! The 4th bedroom is privately situated on the opposite side of the home, ideal as a bonus room, guest suite or multigenerational space. Enjoy a spacious sunroom overlooking the pool & river, huge theater room, large front porch & two back porches, including one screened. Updates include a 2017 kitchen remodel, whole-home Generac generator (2021), 3 HVAC systems (2014/2019/2021), water heater (2021), water pump (2022) & garage doors (2025). Plus a storage shed & plenty of room to enjoy life on the water!
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).
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
Read at the listing’s map pin. On a lot this size the zone can change across the property, and the pin may not be where the house stands.
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: Shingle — year not disclosed (home built 2005)
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: ~1,700 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 homeAs of August 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 3 mi · 1.2 mi of trails
Closest public boat ramp
Bert Maxwell Boat Rampabout 3 mi · St. Johns River - Trout River (Jacksonville)
Closest kayak & paddleboard launch
Reddie Point Preserve Canoe Accessabout 3 mi · St. Johns River
Closest youth league fields
Oceanway Community Center, Park and Poolabout 2 mi · Swimming
Closest grocery store
Sam's Clubabout 1 mi · 300 Busch Dr, 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
2025 property taxes (current owner): $6,917/yr
Estimated taxes if purchased at asking price: ~$18,600/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
- Oct 21, 2026Closed$1,050,000
- Sep 3, 2026Active Under Contract$1,050,000
- Aug 6, 2026Active$1,050,000
- Jul 27, 2026Listed$1,050,000
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 $120/sq ft; this home is listed at $223/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 12261 Bristol Creek Drive, Jacksonville, FL 32218Listed by ON THE MOVE REALTY | May 2026 | $410,000 | $120 | 5/3.5 | 3,414 | 49 | 2.1 |
| 11341 Quailhollow Drive, Jacksonville, FL 32218Listed by CHAD AND SANDY REAL ESTATE GROUP | Jan 2026 | $345,745 | $91 | 5/4 | 3,786 | 92 | 2.1 |
| 12576 Woodland Drive, Jacksonville, FL 32218Listed by LPT REALTY LLC | Mar 2026 | $250,000 | $64 | 3/1.5 | 3,910 | 26 | 2.2 |
| 12337 Cardinal Creek Drive, Jacksonville, FL 32218Listed by HOME PLACE REALTY | Apr 2026 | $330,000 | $91 | 5/3.5 | 3,621 | 28 | 2.3 |
| 1586 Porter Lakes Drive, Jacksonville, FL 32218Listed by WATSON REALTY CORP | Jun 2025 | $410,000 | $120 | 5/3.5 | 3,414 | 38 | 2.3 |
| 2532 Caney Oaks Drive W, Jacksonville, FL 32218Listed by KELLER WILLIAMS ST JOHNS | Feb 2026 | $415,000 | $120 | 5/3 | 3,470 | 51 | 2.8 |
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
Exterior
Additional Information
Listing Courtesy of: ROUND TABLE REALTY
Sold by: ROUND TABLE REALTY (buyer's brokerage)
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
This home sold on Oct 21, 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
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines