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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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Sold

Sold·Closed Sep 25, 2026·5 days on market·Recent sales in Jacksonville

11648 Ft Caroline Lakes Drive

Jacksonville, FL 32225

$261,000sold priceListed at $261,000 · 100% of asking$178/sqftMLS# 2160809
3
Beds
2
Baths
1,469
Sq Ft
1985
Built
1
Garage
No
Pool
FEMA Zone XNo HOA11,326 sqft lotWaterfrontTownhouse2 stories

About this home

Jacksonville

AUCTION OPPORTUNITY! The list price is the STARTING BID ONLY! All bids are submitted directly to the listing agent and presented to the sellers. The sellers may choose to accept a bid and proceed with the sale at any time or allow the auction to continue. Bring your best offer! NO HOA! Discover this beautiful two story water front home! The spacious primary suite is conveniently located on the first floor and features a large walk-in closet. An open dining and living area creates an inviting flow into the kitchen, while the fireplace adds warmth and character to the main living space. Upstairs provides an additional flex space loft area and rooms for family, guests, or a home office. Step outside to the covered terrace overlooking the water an ideal spot for morning coffee or unwinding at the end of the day. A private garage adds even more convenience/storage. Located near shopping, dining, parks and more.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$1,434
Property taxesest. at asking price, Duval County$426
Estimated total, before insurance$1,860/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,343/yr · $195/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).

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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 1985)

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: ~1,531 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.

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): $2,343/yr

Estimated taxes if purchased at asking price: ~$5,100/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 28, 2026Closed$261,000
  • Aug 24, 2026Active Under Contract$261,000
  • Aug 24, 2026Price change$261,000+$36,000
  • Aug 19, 2026Listed$225,000

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 $150/sq ft; this home is listed at $178/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
11690 Tanager Drive, Jacksonville, FL 32225Listed by UNITED REAL ESTATE GALLERYJul 2026$235,000$1673/2.51,4041070.1
11671 Tanager Drive, Jacksonville, FL 32225Listed by O'MALLEY REAL ESTATE INCApr 2026$142,500$1013/2.51,404740.1
11477 Ft Caroline Lakes Drive N, Jacksonville, FL 32225Listed by FLORIDA HOMES REALTY & MTG LLCJun 2026$270,000$1784/3.51,517520.2
1855 Oak Water Drive, Jacksonville, FL 32225Listed by INI REALTYSep 2026$180,000$1472/21,226330.3
1879 Oak Water Drive, Jacksonville, FL 32225Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYJun 2026$210,000$1452/21,450260.3
11341 Skimmer Court, Jacksonville, FL 32225Listed by NEXTHOME ENDLESS SUMMERJun 2026$225,000$1503/21,505350.3

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$261,000
Price / Sq Ft$178
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,469
Acres0.26 acres
Year Built1985
TypeResidential
Sub-TypeTownhouse
StyleTraditional
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontYes

School Information

ElementaryLone Star
MiddleLandmark

Community Information

Address11648 Ft Caroline Lakes Drive, Jacksonville, FL 32225
Area042-Ft Caroline
SubdivisionFort Caroline Lakes
CityJacksonville
CountyDuval
StateFL
Zip Code32225
Lot Size11,325.6 sq ft
Parcel Number1621065138
ZoningResidential

Amenities

UtilitiesSewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Attached, Garage
ViewLake, Water
Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Pantry, Primary Bathroom - Tub with Shower, Walk-In Closet(s)
AppliancesDishwasher, Electric Range
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, In Garage, Washer Hookup

Exterior

Patio / PorchCovered, Rear Porch, Terrace
FencingFenced, Back Yard, Vinyl, Wrought Iron
RoofShingle
ConstructionComposition Siding, Wood Siding
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedAugust 19, 2026
Days on Market5
Tax Amount$2,343.3
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan, Other
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FADER & CO REALTY LLC

Sold by: CHAD AND SANDY REAL ESTATE GROUP (buyer's brokerage)

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

This home sold on Sep 25, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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