This home is in Jacksonville — a pool home in Jacksonville.
$546,0003 bd · 2 ba · 1,891 sq ft
Active·53 days on market
1147 Pebble Ridge Drive
Jacksonville, FL 32220
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Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Imagine coming home to a place where there's room for it all. Room for the RV, the boat, the kids to play, friends to gather, and weekends to slow down. Tucked into a family-friendly neighborhood, this all-brick 3-bedroom, 2-bath home sits on a spacious half-acre lot and offers the kind of flexibility that's hard to find. Out back, the pool and **outdoor kitchen** set the stage for summer afternoons, backyard dinners, and evenings spent entertaining, while the charming she shed gives you a space of your own--whether it's a home office, hobby room, creative space, or quiet escape. And then there's the **24' x 48' detached RV garage**--the kind of space that makes you start dreaming about what you could do with it. Park the RV, store the toys, create a workshop, or simply enjoy having room to spread out. This is more than a house--it's a place to make memories and live the way you want.
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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — year not disclosed (home built 1989)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · Public water · JEA
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: ~1,717 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.
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.
Closest beach parking
Bluffs Scenic Trail, Big Talbot Island State Parkabout 25 mi · 35 parking spaces
Closest park or preserve
Camp Milton Historic Preserveabout 3 mi · 1.3 mi of trails
Closest public boat ramp
Curtis Lee Johnson Marina Park Public Boat Ramp (aka. Lighthouse Marina)about 6 mi · Cedar River
Closest kayak & paddleboard launch
Charles Reese Memorial Park Kayak Launchabout 8 mi · St. Johns River - Trout River (Jacksonville)
Closest youth league fields
Normandy Centerabout 4 mi · Baseball, Football
Closest grocery store
Winn-Dixieabout 4 mi · 7921 Normandy Blvd, Jacksonville
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): $2,947/yr
Estimated taxes if purchased at asking price: ~$10,700/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 15, 2026Price change$546,000−$29,000
- Sep 28, 2026Price change$575,000−$55,000
- Sep 17, 2026Listed$630,000
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 $193/sq ft; this home is listed at $289/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 573 Wellhouse Drive, Jacksonville, FL 32220Listed by COLDWELL BANKER VANGUARD REALTY | Jun 2026 | $445,000 | $204 | 4/2 | 2,177 | 3 | 0.7 |
| 782 Wellhouse Drive, Jacksonville, FL 32220Listed by NORTH FLORIDA REAL ESTATE SOLUTIONS INC | Oct 2026 | $470,000 | $237 | 3/2 | 1,986 | 115 | 0.8 |
| 9318 Ida Street, Jacksonville, FL 32220Listed by RPB REALTY,INC | Jul 2026 | $279,900 | $193 | 3/2 | 1,451 | 24 | 1.1 |
| 10817 Grayson Street, Jacksonville, FL 32220Listed by MOMENTUM REALTY | Sep 2026 | $245,000 | $157 | 3/2 | 1,560 | 71 | 1.3 |
| 11215 Martin Lakes Drive N, Jacksonville, FL 32220Listed by OPENDOOR BROKERAGE, LLC. | Jul 2026 | $305,000 | $187 | 3/2 | 1,635 | 20 | 1.4 |
| 11269 Belmont Oaks Drive, Jacksonville, FL 32220Listed by RE/MAX SPECIALISTS | Sep 2026 | $350,000 | $150 | 3/2 | 2,328 | 6 | 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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: REAL BROKER 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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
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