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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.

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Active Under Contract

$430,000Active Under Contract3 bd · 2 ba · 1,575 sq ft

Active Under Contract·45 days on market

13849 Jeremiah Road

Jacksonville, FL 32224

$430,000$273/sqftEst. $2,344/mo mortgageMLS# 2165296
3
Beds
2
Baths
1,575
Sq Ft
2009
Built
2
Garage
No
Pool
FEMA Zone XHOA $42/mo6,098 sqft lotSingle Family Residence1 story

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville

Pride of ownership shines throughout this exceptionally maintained home--truly one of the best-kept homes you will find! From the moment you step inside, it's clear this property has been thoughtfully cared for and is ready for its next owner to simply move in and enjoy. The updated kitchen serves as the heart of the home, offering a fresh, inviting space for everyday living and entertaining. An electric fireplace adds warmth and character to the living area, while a water softener and hurricane shutters provide added comfort and peace of mind. Major updates include a new roof installed in 2024 and an HVAC system from 2016. Outside, enjoy a quiet, established and walkable neighborhood where neighbors take pride in their community. The location is hard to beat--just minutes from dining, shopping and everyday conveniences, while being only 10 minutes from the beach, Mayo Clinic, St. Johns Town Center & UNF. The home is also zoned for highly rated Chets Creek Elementary School

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$2,344
Property taxesest. at asking price, Duval County$702
HOAbilled semi-annually$42
Estimated total, before insurance$3,088/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,883/yr · $324/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$430,000
$86,000
Loan Term
Monthly Payment
$2,344
Principal & Interest: $2,344
Property taxes (est.): $702
Insurance (est.): $287
Estimated Total Monthly
$3,333
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — 2024 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,773 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,883/yr

Estimated taxes if purchased at asking price: ~$8,400/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 12, 2026Active Under Contract$430,000
  • Sep 17, 2026Listed$430,000

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 $286/sq ft; this home is listed at $273/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
13015 Bentwater Drive, Jacksonville, FL 32246Listed by FUTURE HOME REALTY INCSep 2026$379,000$2103/21,8051060.7
14203 Hampton Falls Drive N, Jacksonville, FL 32224Listed by EAST COAST REALTYSep 2026$359,900$2863/21,257540.8
12887 Bentwater Drive, Jacksonville, FL 32246Listed by PONTE VEDRA CLUB REALTY, INC.Sep 2026$420,000$2863/21,469290.9
13234 S Companion Circle, Jacksonville, FL 32224Listed by RE/MAX SPECIALISTSSep 2026$365,000$1893/21,9351350.9
2631 Bentshire Drive, Jacksonville, FL 32246Listed by FLUID REALTY, LLC.Oct 2026$490,000$2544/21,932321.1
13253 Mendenhall Place, Jacksonville, FL 32224Listed by COMPASS FLORIDA LLCOct 2026$392,750$3023/21,301971.1

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

Price$430,000
Price / Sq Ft$273
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,575
Acres0.14 acres
Year Built2009
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive Under Contract
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address13849 Jeremiah Road, Jacksonville, FL 32224
Area025-Intracoastal West-North Of Beach Blvd
SubdivisionCovenant Cove
CityJacksonville
CountyDuval
StateFL
Zip Code32224
Lot Size6,098.4 sq ft
Parcel Number1671155975

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit

Exterior

Patio / PorchPatio
FencingBack Yard, Full, Wood
RoofShingle
ConstructionFrame, Stucco
Road SurfaceAsphalt

Additional Information

Date ListedSeptember 17, 2026
Days on Market45
HOA Fees$250 / Semi-Annually
HOA FrequencySemi-Annually
Tax Amount$3,883.29
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

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.

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

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