5509 Clapboard Creek Drive

Jacksonville, FL 32226

$767,734$240/sqftEst. $3,943/moMLS# 2160938

Beds

Baths

3,199

Sq Ft

2026

Built

Garage

Pool

About this home

Tidewater

The Egret VIII is a spacious, elegant home with 4 bedrooms, 3 baths, and open-concept living. Gourmet kitchen with island flows to dining and expansive living area with natural light. Covered lanai for indoor-outdoor living. Private owner's suite with dual walk-ins and spa bath. Flexible spaces and customization options make it your dream home.

Cost to own

Mortgage calculator

Home Price

$767,734

Down Payment: 20%

$153,547

Interest Rate: 6.65%

Loan Term

Monthly Payment

$3,943

Principal & Interest: $3,943

Property taxes (est.): $1,254

Insurance (est.): $512

Estimated Total Monthly

$5,708

*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$3,943

Property taxesest. at asking price, Duval County$1,254

HOAbilled quarterly$72

Estimated total, before insurance$5,268/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2026)

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

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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