This home is in Jacksonville — a waterfront home in Jacksonville.
Active·35 days on market
10779 Gladwynne Road
Jacksonville, FL 32218
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Trout River setting, nearly half an acre, and no HOA or CDD fees! Enjoy country style living in the city with this spacious 4 bedroom home situated on a private .48 acre lot with water access. While the water is not navigable, clearing some of the natural vegetation could create beautiful river views and an amazing backyard setting. The home underwent an extensive renovation in 2024, including an updated electrical panel, HVAC system, water heater, plumbing for both bathrooms, remodeled bathrooms, flooring, interior doors, blinds, and fresh interior paint. With a large private lot, no HOA or CDD, and convenient access to I 95, shopping, and Jacksonville International Airport, this property offers a combination of space, privacy, and location that is hard to find in Jacksonville.
Next steps in Jacksonville
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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Metal — year not disclosed (home built 1973)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,386 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 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): $4,678/yr
Estimated taxes if purchased at asking price: ~$5,900/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
- Oct 9, 2026Price change$300,000−$5,000
- Sep 15, 2026Price change$305,000−$10,000
- Sep 5, 2026Listed$315,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $164/sq ft; this home is listed at $170/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 11245 Lorence Avenue, Jacksonville, FL 32218Listed by NEXTHOME ENDLESS SUMMER | Sep 2026 | $225,000 | $156 | 3/2 | 1,440 | 87 | 0.7 |
| 1860 Montward Preserve Way, Jacksonville, FL 32218Listed by WATSON REALTY CORP | Sep 2026 | $280,000 | $170 | 3/2 | 1,648 | 35 | 1 |
| 11532 Birch Forest Circle E, Jacksonville, FL 32218Listed by UNITED REAL ESTATE GALLERY | Sep 2026 | $244,000 | $150 | 5/2 | 1,629 | 90 | 1 |
| 3787 Juliet Leia Circle W, Jacksonville, FL 32218Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Oct 2026 | $339,000 | $167 | 4/2 | 2,030 | 122 | 1.5 |
| 9369 Madison Avenue, Jacksonville, FL 32208Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $325,000 | $164 | 4/3 | 1,978 | 5 | 1.5 |
| 2241 Hilly Road, Jacksonville, FL 32208Listed by SOMEDAY HOMES REALTY, LLC. | Aug 2026 | $225,000 | $160 | 3/2 | 1,407 | 7 | 1.5 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: NAVY TO NAVY HOMES LLC
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.
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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
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