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Active

Active·10 days on market

14698 Starratt Creek Drive

Jacksonville, FL 32226

$645,900$210/sqftEst. $3,317/moMLS# 2160176

Beds

Baths

3,073

Sq Ft

2004

Built

Garage

Pool

About this home

Jacksonville

Beautiful home in sought after waterfront Amelia View subdivision. 5 bedrooms, 4 baths, 3-car garage, huge open kitchen and breakfast nook overlooking family room, plus a large formal dining, and separate office. Fully landscaped front and backyard with irrigation system and well, screened in slate tiled porch and a large paver patio with fire pit. Many updates within the home and well maintained. Stainless steel appliances, granite countertops, bamboo engineered wood floors throughout the living areas and primary bedroom, tiled baths and laundry. New Roof in 2020. 1/2 acre lot. Subdivision amenities includes boat ramp, boat parking, pool, playground, volleyball and basketball/pickleball court.

Cost to own

Mortgage calculator

Home Price

$645,900

Down Payment: 20%

$129,180

Interest Rate: 6.65%

Loan Term

Monthly Payment

$3,317

Principal & Interest: $3,317

Property taxes (est.): $1,055

Insurance (est.): $431

Estimated Total Monthly

$4,802

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$3,317

Property taxesest. at asking price, Duval County$1,055

HOAbilled annually$67

Estimated total, before insurance$4,438/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.

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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: material not specified — 2020 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,762 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 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 14, 2026Listed$645,900

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

Features

Price$645,900

Price / Sq Ft$210

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage3,073

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Community Information

Address14698 Starratt Creek Drive, Jacksonville, FL 32226

Area096-Ft George/Blount Island/Cedar Point

SubdivisionAmelia View

CityJacksonville

CountyDuval

StateFL

Zip Code32226

Parcel Number1084228815

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected, Propane

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, ENERGY STAR Qualified Dishwasher, Gas Water Heater, Microwave, Refrigerator, Washer

HeatingHeat Pump

CoolingCentral Air

# of Stories2