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 Waterleaf, Jacksonville — a waterfront home in Jacksonville.

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Active

Active·Listed today·Waterleaf

1076 Candlebark Drive

Jacksonville, FL 32225

$649,900$188/sqftEst. $3,376/moMLS# 2163525

Beds

Baths

3,449

Sq Ft

2005

Built

Garage

Pool

About this home

Waterleaf

Welcome to 1076 Candlebark Dr. in Waterleaf! This beautifully updated and exceptionally maintained 4-bedroom, 3-full-bath home offers an ideal combination of privacy, space, and modern luxury. Situated on a spacious .76-acre lot with room for a pool, space to park RV/boat on preserve and pond views, this property provides a tranquil backyard setting with plenty of privacy. Inside, the home has been extensively renovated with thoughtful attention to quality and functionality. The stunning 2026 kitchen features custom cabinetry, an extended island, premium quartz countertops and backsplash, custom storage, and a premium KitchenAid appliance package. The spacious living areas feature high-end CoreTec flooring, a striking 72-inch electric fireplace with custom mantel, updated lighting, and fresh interior and exterior paint. Major improvements include a 2020 roof, two newer HVAC systems with new ductwork, upgraded electrical panel, new Pella double-pane windows, new Pella sliding doors

Cost to own

Mortgage calculator

Home Price

$649,900

Down Payment: 20%

$129,980

Interest Rate: 6.76%

Loan Term

Monthly Payment

$3,376

Principal & Interest: $3,376

Property taxes (est.): $1,061

Insurance (est.): $433

Estimated Total Monthly

$4,870

*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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 · 6.76% · 30yr$3,376

Property taxesest. at asking price, Duval County$1,061

HOAbilled annually$71

Estimated total, before insurance$4,508/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,383/yr · $449/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): $5,383/yr

Estimated taxes if purchased at asking price: ~$12,700/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.

Zone AH — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 — 2020 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: ~1,727 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 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 10, 2026Active$649,900
Sep 4, 2026Listed$649,900

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

Features

Price$649,900

Price / Sq Ft$188

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage3,449

Acres0.76 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Direction FacesEast

Community Information

Address1076 Candlebark Drive, Jacksonville, FL 32225

Area042-Ft Caroline

SubdivisionWaterleaf

CityJacksonville

CountyDuval

StateFL

Zip Code32225

Lot Size33,105.6 sq ft

Parcel Number1622252455

ZoningResidential

Amenities

AmenitiesPool, Playground

UtilitiesElectricity Connected, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, RV Access/Parking

ViewPond, Protected Preserve, Trees/Woods

Waterfront TypePond

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, ENERGY STAR Qualified Refrigerator, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringTile

FireplaceYes

Fireplace FeaturesElectric

# of Stories2

LevelsMulti/Split

LaundryIn Unit, Upper Level

SecuritySmoke Detector(s)