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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 home near Sandalwood High School.

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Active·Listed today

763 Cottage Hill Drive E

Jacksonville, FL 32225

$399,900$188/sqftEst. $2,118/moMLS# 2158245
4
Beds
2
Baths
2,128
Sq Ft
1998
Built
2
Garage
No
Pool
HOA $22/mo6,098 sqft lotSingle Family Residence1 story

About this home

Jacksonville

Welcome to 763 Cottage Hill Dr E, nestled in Jacksonville's highly desirable Harbor Winds neighborhood. The expansive, light-filled open floorplan welcomes you with towering high ceilings, elegant architectural arches, and classic columns. Premium ceramic tile and durable laminate floors flow seamlessly throughout the living spaces. Capitalizing on modern style, the gourmet kitchen boasts gleaming granite countertops, raised panel glazed finish cabinets with 42-inch uppers, crown molding, and premium stainless steel appliances. Relax or entertain in the brilliant, fully air-conditioned Florida room, providing extra living space not included in the square footage. Step out back to your own private sanctuary, featuring a peaceful, lush preserve view in the rear that extends well beyond the lot boundary. This gem perfectly blends sophistication and coastal comfort in an ideal location. Schedule your private tour today!

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$2,118
Property taxesest. at asking price, Duval County$653
HOAbilled annually$22
Estimated total, before insurance$2,793/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,167/yr · $264/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

$399,900
$79,980
Loan Term
Monthly Payment
$2,118
Principal & Interest: $2,118
Property taxes (est.): $653
Insurance (est.): $267
Estimated Total Monthly
$3,037
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,167/yr

Estimated taxes if purchased at asking price: ~$7,800/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

  • Sep 18, 2026Active$399,900
  • Aug 1, 2026Listed$399,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$399,900
Price / Sq Ft$188
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,128
Total Structure Area2,758 sq ft
Acres0.14 acres
Year Built1998
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesWest

School Information

ElementarySabal Palm
MiddleLandmark

Community Information

Address763 Cottage Hill Drive E, Jacksonville, FL 32225
Area043-Intracoastal West-North Of Atlantic Blvd
SubdivisionHarbor Winds
CityJacksonville
CountyDuval
StateFL
Zip Code32225
Lot Size6,098.4 sq ft
Lot Dimensions60 X 100
Parcel Number1622058350
ZoningResidential

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener, Off Street

Interior

AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
# of Stories1

Additional Information

Date ListedSeptember 18, 2026
Days on Market1
HOA Fees$263.5 / Annually
HOA FrequencyAnnually
HOA NameHarbor Winds
Tax Amount$3,166.97
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CENTURY 21 LIGHTHOUSE REALTY · Jeff@C21Jax.com

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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