This home is in Jacksonville.
Active·17 days on market
543 Apple Creek Drive
Jacksonville, FL 32218
About this home
Jacksonville
LOCATION! LOCATION! LOCATION! ONE-OWNER HOME! Welcome to 543 Apple Creek Dr, Jacksonville, FL! This one-owner, well-maintained 3-bedroom, 2-bath home is tucked near the end of a quiet cul-de-sac in the desirable North Creek community. Situated on a beautiful 1.19-acre corner property, this home offers exceptional privacy and a setting that is truly hard to duplicate. Enjoy peaceful water views with lakes on both sides of the home, along with preserve surroundings that create a private and relaxing atmosphere. Start your morning with coffee on the screened lanai, or unwind in the evening while enjoying the breeze and sounds of nature. Inside, the bright open-concept floor plan seamlessly connects the kitchen, dining area, and living room--ideal for everyday living and entertaining. The spacious kitchen features 42-inch upper cabinets and plenty of cabinetry and storage.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — year not disclosed (home built 2009)
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: ~1,706 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 homeAs 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $5,079/yr
Estimated taxes if purchased at asking price: ~$6,900/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 5, 2026Listed$349,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC · SellBuyJax@gmail.com
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.
Keep looking
More homes in North Creek
For Sale644 Spanish Wells RoadJacksonville, FL 32218
4 bd · 2 ba · 2,131 sq ft
$349,000Est. $1,858/moWelcome to my home! We invite you to step into my 4-bedroom, 2-bathroom home located in the highly desirable North…
Listing Office: watson realty corp
Pending816 Reflection Cove Road EJacksonville, FL 32218
4 bd · 3 ba · 2,221 sq ft
$339,900Est. $1,809/moMove-in ready four-bedroom, three-bathroom home in the desirable North Creek neighbourhood. This home features an open…
Listing Office: entera realty llc
Under Contract598 Amber Creek DriveJacksonville, FL 32218
3 bd · 2.5 ba · 2,003 sq ft
$368,000Est. $1,959/moWelcome to 598 Amber Creek Drive in North Creek, a well maintained 3 bedroom, 2.5 bath home offering 2,003 square feet…
Listing Office: someday homes realty, llc.
Under Contract14122 Summer Breeze Drive EJacksonville, FL 32218
5 bd · 2 ba · 2,119 sq ft
$390,000Est. $2,076/moStep into a completely transformed home where every detail has been upgraded for modern living. This spacious 5-bedroom…
Listing Office: alko realty llc
Keep looking
Similar homes in Jacksonville
Your Local Realtor
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.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines