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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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Active

$1,325,0003 bd · 3.5 ba · 3,092 sq ft

Active·92 days on market

13912 Atlantic Boulevard

Jacksonville, FL 32225

$1,325,000$429/sqftEst. $7,224/mo mortgageMLS# 2157730
↓ $64,000 below original list
3
Beds
3.5
Baths
3,092
Sq Ft
2006
Built
2
Garage
No
Pool
FEMA Zone XHOA $367/mo2,178 sqft lotWaterfrontTownhouse4 stories

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About this home

Jacksonville

Experience exceptional waterfront living in this 3,092-square-foot townhome overlooking Harbortown Marina and the Intracoastal Waterway. Centrally located just minutes from restaurants, shopping, medical and the beach. Additionally, the residence overlooks a 50-foot boat slip that may be purchased separately, allowing you to see your boat from every level of your home. This 3-bedroom, 3.5-bath home features a private elevator, balconies on every floor, wood-beamed ceilings, remote-controlled window coverings and awning, custom closets, a gas fireplace and an outdoor hot tub. The chef's kitchen offers a 48-inch Sub-Zero glass-door refrigerator, Bosch dishwasher, Wolf six-burner gas range with pot filler, Wolf microwave drawer, Shaw's double-basin farmhouse sink and custom cabinetry. Additional highlights include a summer kitchen with Wolf grill and Sub-Zero refrigerator, plus a two-car garage with epoxy flooring, built-in cabinets and ample storage. Absolutely gorgeous throughout!

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$7,224
Property taxesest. at asking price, Duval County$2,164
HOAbilled quarterly$367
Estimated total, before insurance$9,754/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$17,574/yr · $1,465/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

$1,325,000
$265,000
Loan Term
Monthly Payment
$7,224
Principal & Interest: $7,224
Property taxes (est.): $2,164
Insurance (est.): $883
Estimated Total Monthly
$10,271
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Tile — year not disclosed (home built 2006)

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: ~1,679 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, 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.

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): $17,574/yr

Estimated taxes if purchased at asking price: ~$26,000/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

  • Sep 22, 2026Price change$1,325,000−$25,000
  • Sep 8, 2026Price change$1,350,000−$39,000
  • Jul 30, 2026Listed$1,389,000

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 $277/sq ft; this home is listed at $429/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
13892 Atlantic Boulevard, Jacksonville, FL 32225Listed by THE LEGENDS OF REAL ESTATEJun 2026$1,170,000$4063/32,8833160
13846 Atlantic Boulevard # 105, Jacksonville, FL 32225Listed by ALL SOUTH REALTY, INC.May 2026$450,000$1673/3.52,6941800.1
13846 Atlantic Boulevard 1006, Jacksonville, FL 32225Listed by RE/MAX SPECIALISTS PVMay 2026$585,000$2173/3.52,694550.1
13846 Atlantic Boulevard 807, Jacksonville, FL 32225Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJun 2025$650,000$2413/3.52,6941840.2
13846 Atlantic Boulevard 509, Jacksonville, FL 32225Listed by WATSON REALTY CORPMay 2025$750,000$2783/3.52,69490.2
797 Providence Island Court, Jacksonville, FL 32225Listed by THE LEGENDS OF REAL ESTATENov 2025$830,000$2774/3.53,0001701.4

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$1,325,000
Price / Sq Ft$429
Bedrooms3
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage3,092
Acres0.05 acres
Year Built2006
TypeResidential
Sub-TypeTownhouse
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

This listingNo schools reported in the MLS
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address13912 Atlantic Boulevard, Jacksonville, FL 32225
Area025-Intracoastal West-North Of Beach Blvd
SubdivisionWatersedge At Harbortown
CityJacksonville
CountyDuval
StateFL
Zip Code32225
Lot Size2,178 sq ft
Parcel Number1671619050

Amenities

AmenitiesBoat Slip, Marina
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected, Propane
SewerPublic Sewer
Water SourcePublic
ParkingDetached, Garage, Garage Door Opener, On Street
ViewIntracoastal, Marina, Water

Interior

Interior FeaturesCeiling Fan(s), Elevator, His and Hers Closets, Jack and Jill Bath, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms
AppliancesDishwasher, Disposal, Dryer, Freezer, Gas Oven, Gas Range, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Split System
FlooringTile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories4
LevelsThree Or More
LaundryIn Unit
SecuritySecurity Gate, Smoke Detector(s)
Spa FeaturesHeated, Above Ground, Private

Exterior

Exterior FeaturesBalcony, Boat Slip, Courtyard, Outdoor Kitchen
Patio / PorchAwning(s), Covered, Deck, Terrace
RoofTile
Road SurfaceAsphalt, Paved

Additional Information

Date ListedJuly 30, 2026
Days on Market92
HOA Fees$1,100 / Quarterly
HOA FrequencyQuarterly
HOA Fee IncludesMaintenance Grounds, Pest Control, Other
Tax Amount$17,574.35
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BLACKSTONE REAL ESTATE

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

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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