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 Marsh Sound, Jacksonville — a pool home in Jacksonville.

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Active

Active·Listed today·Marsh Sound

13870 Softwind Trail N

Jacksonville, FL 32224

$544,900$281/sqftEst. $2,798/moMLS# 2161612

Beds

Baths

1,940

Sq Ft

1996

Built

Garage

Yes

Pool

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

Mortgage calculator

Home Price

$544,900

Down Payment: 20%

$108,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,798

Principal & Interest: $2,798

Property taxes (est.): $890

Insurance (est.): $363

Estimated Total Monthly

$4,051

*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$2,798

Property taxesest. at asking price, Duval County$890

HOAbilled annually$63

Estimated total, before insurance$3,751/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).

Cost to own

Taxes & assessment

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

Estimated taxes if purchased at asking price: ~$10,700/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.

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 1996)

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

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

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 24, 2026Listed$544,900

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

Features

Price$544,900

Price / Sq Ft$281

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