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This home is in Queens Harbour, Jacksonville — a waterfront home in Jacksonville.

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Active

Active·1 day on market·Queens Harbour

704 Shipwatch Drive E

Jacksonville, FL 32225

$1,399,000$381/sqftEst. $7,200/moMLS# 2159838

Beds

Baths

3,672

Sq Ft

1992

Built

Garage

Yes

Pool

About this home

Queens Harbour

Experience exceptional Jacksonville waterfront living at 704 Shipwatch Drive E, a stunning navigable waterfront home in the prestigious Queens Harbour Yacht & Country Club. Set on 0.37 acres, this two-story residence offers approximately 3,700 square feet, 4 bedrooms, 4 full baths, a private office, and a 3-car garage. From the moment you enter, soaring ceilings, expansive windows, and abundant natural light create an impressive sense of space. Sweeping water views draw your attention toward the rear of the home, where the west-facing setting delivers beautiful sunsets over the harbor. The open, light-filled design connects the interior with the waterfront and outdoor living areas. The waterfront is the centerpiece. Bring the yacht and jet ski the protected freshwater harbor connects through the Queens Harbour lock system to the Intracoastal Waterway and Atlantic Ocean.

Cost to own

Mortgage calculator

Home Price

$1,399,000

Down Payment: 20%

$279,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$7,200

Principal & Interest: $7,200

Property taxes (est.): $2,284

Insurance (est.): $933

Estimated Total Monthly

$10,417

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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

True monthly cost

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

Principal & interest20% down · 6.67% · 30yr$7,200

Property taxesest. at asking price, Duval County$2,284

HOAbilled quarterly$347

Estimated total, before insurance$9,831/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$13,901/yr · $1,158/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).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $13,901/yr

Estimated taxes if purchased at asking price: ~$27,400/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.

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: Shingle — year not disclosed (home built 1992)

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: ~1,341 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

Aug 12, 2026Listed$1,399,000

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

Features

Price$1,399,000

Price / Sq Ft$381

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage3,672

Acres0.37 acres

Year Built1992

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Heated

Is WaterfrontYes

Direction FacesEast

Community Information

Address704 Shipwatch Drive E, Jacksonville, FL 32225

Area043-Intracoastal West-North Of Atlantic Blvd

SubdivisionQueens Harbour Cc

CityJacksonville

CountyDuval

StateFL

Zip Code32225

Lot Size16,117.2 sq ft

Parcel Number1671272070

ZoningResidential

Amenities

AmenitiesPool, Boat Dock, Boat Launch, Boat Slip, Clubhouse, Fitness Center, Gated, Golf Course, Maintenance Grounds, Management - Full Time, Marina, Pickleball, Playground, Security, Tennis Court(s), Trash

UtilitiesCable Available, Propane

SewerPublic Sewer

Water SourcePublic

Green / EnergyThermostat

ParkingGarage, Garage Door Opener

ViewWater

Waterfront TypeIntracoastal, Navigable Water, Ocean Access, River Access

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Jack and Jill Bath, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s), Wet Bar

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Electric Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces2

Fireplace FeaturesGas, Wood Burning

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level, Sink, Washer Hookup

Security24 Hour Security, Gated with Guard

Spa FeaturesIn Ground, Heated