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Active

Active·8 days on market

2878 Amelia Bluff Drive

Jacksonville, FL 32226

$625,000$185/sqftEst. $3,230/moMLS# 2162914

Beds

Baths

3,377

Sq Ft

2003

Built

Garage

Pool

About this home

Jacksonville

Set on a stunning, over 1/2 acre and very private lot, this Amelia View home is ready for entertaining at every turn, from gatherings around the stately stone gas FP to a large covered patio overlooking the backyard. The eat-in kitchen overlooks the living room and offers an abundance of 42-inch cabinets, a large walk-in pantry, stainless appliances, and plenty of space for chairs around the breakfast bar. The primary suite delivers a raised ceiling, his-and-hers walk-ins, jacuzzi tub and double vanity, plus an upstairs secondary bedroom with a soaring tray ceiling. Two bedrooms share a Jack-and-Jill bath, and a flexible 4th room could easily convert to a bedroom. Downstairs the office has 10-foot ceilings and bends to work, guests, or play. Wired for surround sound. Outlets are Cat 5e. Laundry with sink, approx 300' attic with flooring and shelving, 3-car garage with workbench/shelves, & irrigation on a well. Coppenbarger-built. 1 yr home warranty. ROOF 2024

Cost to own

Mortgage calculator

Home Price

$625,000

Down Payment: 20%

$125,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$3,230

Principal & Interest: $3,230

Property taxes (est.): $1,021

Insurance (est.): $417

Estimated Total Monthly

$4,667

*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$3,230

Property taxesest. at asking price, Duval County$1,021

HOAbilled annually$73

Estimated total, before insurance$4,323/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,004/yr · $750/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): $9,004/yr

Estimated taxes if purchased at asking price: ~$12,200/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.

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: material not specified — 2024 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,469 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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

Ask about this home

As of September 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 1, 2026Listed$625,000

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

Features

Price$625,000

Price / Sq Ft$185

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage3,377

Acres0.55 acres

Year Built2003

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Community Information

Address2878 Amelia Bluff Drive, Jacksonville, FL 32226

Area096-Ft George/Blount Island/Cedar Point

SubdivisionAmelia View

CityJacksonville

CountyDuval

StateFL

Zip Code32226

Lot Size23,958 sq ft

Parcel Number1084228090

Amenities

AmenitiesPool, Other, Basketball Court, Boat Dock, Boat Launch, Pickleball, Playground, RV/Boat Storage, Tennis Court(s)

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Jack and Jill Bath, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Vaulted Ceiling(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2