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Active·14 days on market

604 Reflection Cove Road

Jacksonville, FL 32218

$484,000$270/sqftEst. $2,563/moMLS# 2163890

Beds

Baths

1,795

Sq Ft

2006

Built

Garage

Pool

FEMA Zone XHOA $50/moSingle Family Residence1 story

About this home

Jacksonville

Welcome to 604 Reflection Cove. This 3 bed and 2 bath home is 1795 sq ft and built in 2006. First things first: roof replacement in 2021 and AC in 2020, so feel comfortable when viewing and writing offers on this well maintained property. A true front porch greets you. Formal dining room, well appointed kitchen & dining room with tile flooring. Family room with fireplace. Split bedrooms. The owner suite has vaulted ceilings, soaking tub & separate tile shower. Bedrooms 2 and 3 share a full bath with tile shower & tile flooring. Interior laundry room, 2 car attached garage and screened, rear paver patio round out this great home. Plenty of space to relax or energize...whatever your preference! North Creek is located on Jacksonville's north side with proximity to Jacksonville International Airport, River City Marketplace, dining, entertainment, worship & interstate access.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.95% · 30yr$2,563

Property taxesest. at asking price, Duval County$790

HOAbilled annually$50

Estimated total, before insurance$3,403/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$484,000

Down Payment: 20%

$96,800

Interest Rate: 6.95%

Loan Term

Monthly Payment

$2,563

Principal & Interest: $2,563

Property taxes (est.): $790

Insurance (est.): $323

Estimated Total Monthly

$3,676

*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

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 2006)

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: ~1,723 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 8, 2026Listed$484,000

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

Features

Price$484,000

Price / Sq Ft$270

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,795

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address604 Reflection Cove Road, Jacksonville, FL 32218

Area092-Oceanway/Pecan Park

SubdivisionNorth Creek

CityJacksonville

CountyDuval

StateFL

Zip Code32218

Parcel Number1066066915

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Primary Bathroom -Tub with Separate Shower, Split Bedrooms

AppliancesDishwasher, Electric Oven, Microwave

HeatingCentral, Electric

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Lower Level

Spa FeaturesCommunity

Exterior

Lot DescriptionDead End Street

Patio / PorchCovered, Front Porch, Rear Porch, Screened

FencingBack Yard

RoofShingle

Additional Information

Date ListedSeptember 8, 2026

Days on Market0

HOA Fees$600 / Annually

HOA FrequencyAnnually

HOA NameNORTH CREEK

HOA Fee IncludesOther

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: JASON MITCHELL REAL ESTATE FLORIDA, LLC. · jennycurtis@jasonmitchellgroup.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.

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