Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in San Marco, Jacksonville — a waterfront home in Jacksonville.

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Active

Active·1 day on market·San Marco

1157 Norwich Road

Jacksonville, FL 32207

$5,350,000$968/sqftEst. $27,476/moMLS# 2160210

Beds

Baths

5,525

Sq Ft

2024

Built

Garage

Yes

Pool

About this home

San Marco

An extraordinary expression of modern riverfront living, this custom estate commands 102 feet along the St. Johns River on nearly three-quarters of an acre. Privately positioned at the end of a tree-lined cul-de-sac, the residence offers something exceptionally rare for this established riverfront setting: a custom home less than two years old, combining the beauty and character of a coveted St. Johns River location with the design, finishes and conveniences of nearly new construction. Inside, dramatic ceiling heights and expansive walls of glass and beautifully frame the dramatic river view. Wide-plank white oak floors bring warmth throughout, while bespoke millwork, thoughtfully selected stone, designer lighting and elevated finishes create a sophisticated aesthetic that feels both current and enduring. At the center of the home, the chef's kitchen is as beautiful as it is functional, with Sub-Zero and Wolf appliances, custom cabinetry and generous marble surfaces. Designed to flow

Cost to own

Mortgage calculator

Home Price

$5,350,000

Down Payment: 20%

$1,070,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$27,476

Principal & Interest: $27,476

Property taxes (est.): $8,736

Insurance (est.): $3,567

Estimated Total Monthly

$39,779

*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$27,476

Property taxesest. at asking price, Duval County$8,736

Estimated total, before insurance$36,212/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$31,813/yr · $2,651/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): $31,813/yr

Estimated taxes if purchased at asking price: ~$104,800/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.

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 D

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

Roof: Shingle — year not disclosed (home built 2024)

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

Likely septic · Public water · JEA

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: ~1,515 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 20, 2026Active$5,350,000
Aug 14, 2026Listed$5,350,000

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

Features

Price$5,350,000

Price / Sq Ft$968

Bedrooms5

Bathrooms6.00

Full Baths5

Half Baths2

Square Footage5,525

Acres0.69 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Gas Heat, Heated, Salt Water

Is WaterfrontYes

Community Information

Address1157 Norwich Road, Jacksonville, FL 32207

Area011-San Marco

SubdivisionSan Marco

CityJacksonville

CountyDuval

StateFL

Zip Code32207

Lot Size30,056.4 sq ft

Parcel Number0999090000

Amenities

UtilitiesCable Connected, Electricity Connected, Water Connected, Propane

SewerSeptic Tank

Water SourcePublic

ParkingAdditional Parking, Attached, Garage, Garage Door Opener

ViewRiver, Water

Waterfront TypeNavigable Water, Ocean Access, River Access, River Front

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Home, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, Instant Hot Water, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned, Wine Cooler

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Wood

FireplaceYes

# of Fireplaces2

Fireplace FeaturesGas, Outside, Wood Burning

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level, Sink, Upper Level

SecurityCarbon Monoxide Detector(s), Closed Circuit Camera(s), Smoke Detector(s)

Spa FeaturesIn Ground, Heated, Private