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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

Active·5 days on market

16641 Sand Hill Drive

Jacksonville, FL 32226

$814,900$253/sqftEst. $4,461/moMLS# 2165487
4
Beds
3.5
Baths
3,216
Sq Ft
2013
Built
5
Garage
No
Pool
FEMA Zone XHOA $46/mo2.00 acresSingle Family Residence2 stories

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 333-8595 Text Krista

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

About this home

Jacksonville

Homes like this don't come on the market often, don't let this opportunity get away from you! Offering 3,216 sq. ft. of living space and situated on 2 acres with a peaceful pond view, this 4-bedroom, 3.5-bath home offers something even harder to find a 3-car attached garage PLUS an oversized detached 2-car garage, providing an impressive 5-car garage capacity. Enjoy a rare combination of space and privacy in a small community of just 19 homes, with the final home currently on its way, bringing the community to only 20 homes, all with large homesites and NO CDD FEES. From the moment you walk in, you'll appreciate the spacious and inviting floor plan. Just off the entry is an enjoyable sitting/living area that could also be used as a formal dining room, while directly across is a designated home office with built-in shelving and a built-in desk. Beautiful wood flooring flows through the main living areas and leads you to the heart of the home.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.28% · 30yr$4,461
Property taxesest. at asking price, Duval County$1,331
HOAbilled annually$46
Estimated total, before insurance$5,837/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,991/yr · $249/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

$814,900
$162,980
Loan Term
Monthly Payment
$4,461
Principal & Interest: $4,461
Property taxes (est.): $1,331
Insurance (est.): $543
Estimated Total Monthly
$6,334
*30-year loan at 7.28% APR (avg 30-yr rate 2026-10-01, 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 2013)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer records conflict — verify

The MLS lists “Septic Tank”, while Florida DOH records suggest central sewer. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water from JEA per the county inventory.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,167 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of October 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

2025 property taxes (current owner): $2,991/yr

Estimated taxes if purchased at asking price: ~$16,000/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 1, 2026Active$814,900
  • Sep 18, 2026Listed$814,900

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

Features

Price$814,900
Price / Sq Ft$253
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage3,216
Acres2.00 acres
Year Built2013
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages5
Has PoolNo
Is WaterfrontNo

School Information

ElementaryLouis Sheffield
MiddleOceanway
HighFirst Coast

Community Information

Address16641 Sand Hill Drive, Jacksonville, FL 32226
Area092-Oceanway/Pecan Park
SubdivisionOak Bluff Estates
CityJacksonville
CountyDuval
StateFL
Zip Code32226
Lot Size87,120 sq ft
Parcel Number1061255600

Amenities

UtilitiesCable Available, Propane
SewerSeptic Tank
Water SourceWell
ParkingAdditional Parking, Attached, Detached, Garage, Garage Door Opener, Other
ViewPond, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned, Wine Cooler
HeatingCentral, Heat Pump
CoolingCentral Air, Multi Units, Zoned
FlooringCarpet, Tile, Wood
# of Stories2
LevelsTwo
LaundryIn Unit, Lower Level
SecuritySecurity System Owned, Smoke Detector(s)

Exterior

Exterior FeaturesFire Pit, Outdoor Kitchen
Lot DescriptionMany Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Patio, Screened
FencingBack Yard, Wrought Iron
RoofShingle
ConstructionConcrete, Frame, Stucco
Other StructuresShed(s)

Additional Information

Date ListedOctober 1, 2026
Days on Market0
HOA Fees$550 / Annually
HOA FrequencyAnnually
Tax Amount$2,990.96
Tax Year2025
Listing TermsAssumable, Cash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER VANGUARD 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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