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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 Jacksonville — a waterfront home in Jacksonville.

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Sold

Sold·Closed Sep 9, 2026·14 days on market·Recent sales in Jacksonville

13839 Spanish Marsh Trail

Jacksonville, FL 32225

$655,000sold priceListed at $649,900 · 100.8% of asking$243/sqftMLS# 2157625
3
Beds
2.5
Baths
2,697
Sq Ft
1985
Built
2
Garage
Yes
Pool
FEMA Zone XNo HOAWaterfrontSingle Family Residence1 story

About this home

Jacksonville

Tropical paradise found! Nestled in the well established and beloved community of Spanish Marsh, this tastefully remodeled home is ready for its next lucky owners. If you are looking for exquisite detail and space to appreciate, prepare to be WOWED! The heart of this home truly is the kitchen, which features Cristallo quartzite countertops and a gorgeous waterfall breakfast bar, professional grade Kucht gas range and double ovens, ample cabinetry, and a farmhouse sink under that perfect kitchen window that offers peaceful views of the lush scenery beyond. Feel like you are on vacation every day as you relax on your spacious deck and delight in your very own pool surrounded by mature and vibrant landscaping and the tranquil sounds of the gurgling freshwater stream. NEW ROOF June, 2026 & water heater July, 2026 are just a few of the key details of this impeccably maintained home. When nature beckons you in, and quality details and thoughtfully designed space make you stay...welcome HOME!

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$3,628
Property taxesest. at asking price, Duval County$1,070
Estimated total, before insurance$4,698/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$655,000
$131,000
Loan Term
Monthly Payment
$3,628
Principal & Interest: $3,628
Property taxes (est.): $1,070
Insurance (est.): $437
Estimated Total Monthly
$5,134
*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.

Hurricane evacuation zone B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 1985)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Likely septic

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: ~1,442 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 home

As 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 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

  • Sep 9, 2026Closed$649,900
  • Aug 14, 2026Pending$649,900
  • Aug 4, 2026Active Under Contract$649,900
  • Jul 31, 2026Active$649,900
  • Jul 21, 2026Listed$649,900

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 $223/sq ft; this home is listed at $241/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
13926 Spanish Marsh Court, Jacksonville, FL 32225Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDEJul 2026$495,000$2454/22,01850.1
3242 Jupiter Hills Drive, Jacksonville, FL 32225Listed by DJ & LINDSEY REAL ESTATEAug 2026$650,000$2344/2.52,782200.5
12862 La Costa Court, Jacksonville, FL 32225Listed by SEVERIDT REALTY, LLC.Jul 2026$630,000$2224/2.52,838670.5
12441 Tierra Chase Way, Jacksonville, FL 32225Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$599,000$1915/3.53,132690.7
12424 Tierra Chase Way, Jacksonville, FL 32225Listed by REDFIN CORPORATIONAug 2026$595,000$2234/32,665380.7
1693 Timber Crossing Lane, Jacksonville, FL 32225Listed by HERRON REAL ESTATE LLCAug 2026$500,000$1764/32,841200.7

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$649,900
Price / Sq Ft$241
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,697
Year Built1985
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesAbove Ground
Is WaterfrontYes

School Information

ElementarySabal Palm
MiddleLandmark

Community Information

Address13839 Spanish Marsh Trail, Jacksonville, FL 32225
Area042-Ft Caroline
SubdivisionSpanish Marsh
CityJacksonville
CountyDuval
StateFL
Zip Code32225
Parcel Number167449-1290
ZoningResidential

Amenities

UtilitiesElectricity Available
SewerSeptic Tank
Water SourceWell
ParkingAttached, Garage
ViewCreek/Stream, Trees/Woods
Waterfront TypeCreek

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Pantry, Vaulted Ceiling(s)
AppliancesDishwasher, Disposal, Double Oven, Electric Water Heater, Gas Range, Microwave, Refrigerator, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringTile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchDeck, Rear Porch, Screened
FencingOther
RoofShingle
Other StructuresShed(s)

Additional Information

Date ListedJuly 31, 2026
Days on Market14
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 9, 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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