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 Jacksonville — a waterfront home in Jacksonville.

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Active

Active·12 days on market

11588 Fort Caroline Lakes Drive

Jacksonville, FL 32225

$299,999$197/sqftEst. $1,550/moMLS# 2162068

Beds

Baths

1,526

Sq Ft

1989

Built

Garage

Pool

About this home

Jacksonville

OFFERING UP TO 1.5% towards closing costs, rate buy down, and/or prepaids with preferred lender. This is not your typical townhome. Tucked along the water, this truly one-of-a-kind property offers a lifestyle that is incredibly hard to find, with your own back deck and private dock just steps from your door. Spend your mornings sipping coffee overlooking the lake, and evenings swimming, fishing, or unwinding by the water. With the ability to keep a boat right at your dock, spontaneous days on the lake can become part of everyday life. Inside, the home offers a flexible layout including a loft that can easily become a play space, home office, or whatever fits your lifestyle best. The combination of indoor versatility and exceptional outdoor living makes this property feel more like a private waterfront retreat. This is the kind of townhome that rarely comes along. Schedule your showing today!

Cost to own

Mortgage calculator

Home Price

$299,999

Down Payment: 20%

$60,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$1,550

Principal & Interest: $1,550

Property taxes (est.): $490

Insurance (est.): $200

Estimated Total Monthly

$2,240

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$1,550

Property taxesest. at asking price, Duval County$490

Estimated total, before insurance$2,040/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.

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 1989)

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: ~1,715 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

Sep 3, 2026Price change$299,999−$15,001
Aug 27, 2026Listed$315,000

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

Features

Price$299,999

Price / Sq Ft$197

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,526

Year Built1989

TypeResidential

Sub-TypeTownhouse

StyleTraditional

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontYes

Direction FacesEast

Community Information

Address11588 Fort Caroline Lakes Drive, Jacksonville, FL 32225

Area042-Ft Caroline

SubdivisionFort Caroline Lakes

CityJacksonville

CountyDuval

StateFL

Zip Code32225

Parcel Number1621065732

Amenities

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic, Well

ParkingAttached, Garage, Garage Door Opener

ViewLake, Water

Waterfront TypeLake Front

Interior

Interior FeaturesCeiling Fan(s), Pantry, Primary Bathroom - Tub with Shower, Primary Downstairs, Smart Thermostat, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Water Heater, Gas Cooktop, Gas Oven, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsMulti/Split, Two

LaundryElectric Dryer Hookup, Washer Hookup

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)