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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 Marsh Sound, Jacksonville — a pool home in Jacksonville.

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Active

Active·45 days on market·Marsh Sound

13870 Softwind Trail N

Jacksonville, FL 32224

$509,900$263/sqftEst. $2,824/moMLS# 2161612
↓ $35,000 below original list
3
Beds
2
Baths
1,940
Sq Ft
1996
Built
2
Garage
Yes
Pool

All Marsh Sound homes for sale →Search Marsh Sound on the map

FEMA Zone XHOA $63/mo10,454 sqft lotSingle Family Residence1 story

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Marsh Sound

Discover this well-maintained pool home in the Marsh Sound community, offering a functional layout and a range of desirable features. The interior includes LVP flooring, fresh neutral paint, a separate dining area, a spacious living room with fireplace, a dedicated office, and a split-bedroom floor plan. Secondary bedrooms feature new carpeting, while the primary suite includes a private bathroom with dual vanities, a garden tub, a spacious shower, and a spacious closet. The kitchen features stainless steel appliances, granite countertops, an island, and a breakfast nook. Additional interior features include an inside utility room and convenient living spaces designed for everyday use. Enjoy outdoor living with a covered screened patio overlooking the in-ground pool and paver deck. Community amenities include a swimming pool, playground, and waterfront dock.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,824
Property taxesest. at asking price, Duval County$833
HOAbilled annually$63
Estimated total, before insurance$3,719/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,115/yr · $676/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$509,900
$101,980
Loan Term
Monthly Payment
$2,824
Principal & Interest: $2,824
Property taxes (est.): $833
Insurance (est.): $340
Estimated Total Monthly
$3,997
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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: Shingle — year not disclosed (home built 1996)

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: ~1,737 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $8,115/yr

Estimated taxes if purchased at asking price: ~$10,000/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 29, 2026Price change$509,900−$25,000
  • Sep 10, 2026Price change$534,900−$10,000
  • Aug 24, 2026Listed$544,900

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

Features

Price$509,900
Price / Sq Ft$263
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,940
Acres0.24 acres
Year Built1996
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontNo

Community Information

Address13870 Softwind Trail N, Jacksonville, FL 32224
Area025-Intracoastal West-North Of Beach Blvd
SubdivisionMarsh Sound
CityJacksonville
CountyDuval
StateFL
Zip Code32224
Lot Size10,454.4 sq ft
Parcel Number1673330690

Amenities

AmenitiesPool, Playground
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Patio / PorchCovered, Patio, Screened
FencingBack Yard, Other
RoofShingle
ConstructionFrame, Stucco
Road SurfaceAsphalt

Additional Information

Date ListedAugust 24, 2026
Days on Market36
HOA Fees$750 / Annually
HOA FrequencyAnnually
HOA NameMarvin & Floyd Realty Mgmt.
Tax Amount$8,115.31
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CORE REALTY, LLC

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.

The neighborhood

About Marsh Sound

Marsh Sound is a neighborhood in Jacksonville, FL (Duval County), ZIP 32224.

View all Marsh Sound homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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