This home is in Jacksonville — a waterfront home in Jacksonville.
Active·10 days on market
11631 Lake Chub Drive
Jacksonville, FL 32226
About this home
Jacksonville
Welcome to 11631 Lake Chub Drive! This home offers 4 bedrooms, 2.5 baths and 2,273 square feet in Jacksonville's Alta Lakes community. This two-story layout places the primary suite on the main floor, with a dual vanity, soaking tub, separate shower and walk-in closet. The first floor also includes an open kitchen, dining and living area, while upstairs you'll find three additional bedrooms, a full bath and a central loft/sitting area that can serve as an office, media space or second living room. A covered front porch, screened rear porch, fenced backyard and water view add useful outdoor living space. Alta Lakes amenities include a community pool, clubhouse, fitness center, playground, dog park and pickleball courts. The location provides convenient access to I-295 and I-95, with River City Marketplace and Jacksonville International Airport nearby, plus practical routes to Mayport, NAS Jacksonville and Kings Bay.
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: material not specified — year not disclosed (home built 2019)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,768 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2024 | $316,203 | $203,610 | ▲ $16,733 |
| 2023 | $347,820 | $196,224 | — |
| 2022 | $317,658 | $189,053 | ▲ $26,696 |
| 2021 | $232,091 | $182,091 | — |
| 2020 | $218,978 | $218,978 | ▼ $1,290 |
2025 property taxes (current owner): $6,883/yr
Estimated taxes if purchased at asking price: ~$8,500/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 (2024), NEFMLS.
History
Price & status history
- Sep 15, 2026Listed$435,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
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
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines