This home is in Jacksonville.
Pending·16 days on market
407 Moby Dick Drive S
Jacksonville, FL 32218
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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) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Welcome to this beautifully inviting home nestled in Northside Jacksonville! From the moment you arrive, you'll notice the thoughtful touches that make this home stand out, including an eye-catching accent wall along the entry walkway. Step inside to a spacious living room featuring a beautiful stone wood-burning fireplace, creating a warm and welcoming focal point for relaxing or entertaining. The large, open kitchen provides plenty of space for preparing meals and gathering, with a convenient eat-in dining area that makes everyday dining easy and enjoyable. The generously sized primary suite offers plenty of room to unwind, complete with a large closet providing ample storage. Two additional bedrooms offer flexibility for family, guests, a home office, or whatever best suits your needs. Situated on a corner lot, this property offers the benefit of additional yard space and features a fenced-in backyard, providing a great outdoor area for relaxing, entertaining, or enjoying time.
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: Shingle — year not disclosed (home built 1988)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
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: ~1,629 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
2025 property taxes (current owner): $1,325/yr
Estimated taxes if purchased at asking price: ~$4,900/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 30, 2026Pending$250,000
- Sep 24, 2026Listed$250,000
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 $180/sq ft; this home is listed at $200/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 336 S Shamrock Avenue, Jacksonville, FL 32218Listed by MILITARY REALTY INC | Sep 2026 | $250,000 | $201 | 3/2 | 1,246 | 51 | 0.1 |
| 414 Shamrock Avenue S, Jacksonville, FL 32218Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Aug 2026 | $259,000 | $168 | 3/2 | 1,546 | 17 | 0.1 |
| 445 Blue Whale Way, Jacksonville, FL 32218Listed by LISA DUKE REALTY LLC | Aug 2026 | $257,000 | $192 | 3/2 | 1,340 | 129 | 0.1 |
| 485 Shamrock S, Jacksonville, FL 32218Listed by BEYCOME OF FLORIDA LLC | Jun 2026 | $205,000 | $180 | 3/2 | 1,141 | 32 | 0.2 |
| 13438 Galway Avenue, Jacksonville, FL 32218Listed by 1 REALTY CORP | Sep 2026 | $190,000 | $137 | 3/2 | 1,382 | 26 | 0.3 |
| 229 Orangedale Avenue, Jacksonville, FL 32218Listed by LISA DUKE REALTY LLC | Jul 2026 | $225,000 | $180 | 3/2 | 1,247 | 41 | 0.7 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: DIAMOND REALTY GROUP OF AMELIA ISLAND
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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Your Local Realtor
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
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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines