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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville a home near Sandalwood High School.

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Active·Listed today

911 Mystic Harbor Drive

Jacksonville, FL 32225

$399,000$274/sqftEst. $2,072/moMLS# 2164381
3
Beds
2
Baths
1,456
Sq Ft
2001
Built
2
Garage
No
Pool

About this home

Jacksonville

Where privacy, natural beauty, & designer updates come together, this 3BR/2BA home offers a setting that is hard to replicate. The backyard takes center stage, with a pavered patio & custom paver fire pit overlooking a peaceful preserve filled with birds and framed by beautiful mature oak trees. Inside, wood-look tile flooring flows throughout the main living spaces, & accent walls add lux appeal to the living room and flex room. The kitchen features granite countertops, stainless steel appliance and 42'' cabinetry. The primary suite offers an updated glass-tile shower, dual vanities, and a walk-in closet. A tankless water heater & water softener provide added efficiency and convenience, while Hardy board siding & a full irrigation system enhance long-term durability, functionality, & curb appeal. Conveniently located just minutes from Jacksonville's beaches, shopping, dining, & a nearby movie theater. Come see why this stands above the rest!

Cost to own

Mortgage calculator

$399,000
$79,800
Loan Term
Monthly Payment
$2,072
Principal & Interest: $2,072
Property taxes (est.): $652
Insurance (est.): $266
Estimated Total Monthly
$2,990
*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$2,072
Property taxesest. at asking price, Duval County$652
HOAbilled annually$22
Estimated total, before insurance$2,746/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,581/yr · $215/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): $2,581/yr

Estimated taxes if purchased at asking price: ~$7,800/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 11, 2026Listed$399,000

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

Features

Price$399,000
Price / Sq Ft$274
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,456
Acres0.14 acres
Year Built2001
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementarySabal Palm

Community Information

Address911 Mystic Harbor Drive, Jacksonville, FL 32225
Area043-Intracoastal West-North Of Atlantic Blvd
SubdivisionHarbor Winds
CityJacksonville
CountyDuval
StateFL
Zip Code32225
Lot Size6,098.4 sq ft
Parcel Number1622062050

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesEat-in Kitchen, Pantry
AppliancesDishwasher, Disposal, Dryer, Electric Range, Freezer, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringTile
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Exterior FeaturesFire Pit
Lot DescriptionSprinklers In Front, Sprinklers In Rear, Wooded
ConstructionFiber Cement

Additional Information

Date ListedSeptember 11, 2026
Days on Market0
HOA Fees$263.5 / Annually
HOA FrequencyAnnually
Tax Amount$2,581
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: LA ROSA REALTY NORTH FLORIDA, LLC.

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

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