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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 — a home near Sandalwood High School.

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Active

Active·3 days on market

1403 Sun Marsh Drive

Jacksonville, FL 32225

$465,000$220/sqftEst. $2,555/mo mortgageMLS# 2166577
Open house Sat, Oct 24 · 12:00 pm–3:00 pm
3
Beds
2
Baths
2,110
Sq Ft
2000
Built
2
Garage
No
Pool
FEMA Zone XHOA $18/moSingle 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

Beautiful 3BR/2BA single-family home in the sought-after Gately Oaks neighborhood of Jacksonville. This spacious single-story home features an open-concept living and dining area fire place. Enjoy outdoor living in the screened-in patio overlooking a large backyard with a storage shed. Attached garage provides additional storage and convenience. Ideally located just minutes from Naval Station Mayport, shopping, dining, and area beaches. Move-in ready

Next steps in New Construction — Jacksonville

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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 · 7.32% · 30yr$2,555
Property taxesest. at asking price, Duval County$759
HOAbilled annually$18
Estimated total, before insurance$3,333/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,307/yr · $609/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

$465,000
$93,000
Loan Term
Monthly Payment
$2,555
Principal & Interest: $2,555
Property taxes (est.): $759
Insurance (est.): $310
Estimated Total Monthly
$3,625
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2000)

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: ~1,631 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 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.

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.

Sun & Light

North-facing backyard — the shade-and-soft-light lot

The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:33 AM, sunset 6:47 PM.

  • The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
  • Winter afternoons on the lanai run dim earlier than any other orientation.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $7,307/yr

Estimated taxes if purchased at asking price: ~$9,100/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 19, 2026Active$465,000
  • Sep 24, 2026Listed$465,000

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 $238/sq ft; this home is listed at $220/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1313 Chinook Trail, Jacksonville, FL 32225Listed by EXIT 1 STOP REALTYSep 2026$415,000$2763/21,503570.3
12559 Herblore Drive, Jacksonville, FL 32225Listed by WATSON REALTY CORPOct 2026$380,000$1944/21,956120.4
13141 Ebbtide Court, Jacksonville, FL 32225Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$450,000$2453/21,833180.4
12424 Tierra Chase Way, Jacksonville, FL 32225Listed by REDFIN CORPORATIONAug 2026$595,000$2234/32,665380.6
1572 Mt Airy Court, Jacksonville, FL 32225Listed by 7 STAR REALTY, INC.Oct 2026$280,000$1603/21,752310.7
1716 Chandelier Circle W, Jacksonville, FL 32225Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEAug 2026$428,000$2384/21,800340.9

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$465,000
Price / Sq Ft$220
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,110
Total Structure Area2,899 sq ft
Year Built2000
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesSouth

School Information

ElementarySabal Palm
MiddleLandmark

Community Information

Address1403 Sun Marsh Drive, Jacksonville, FL 32225
Area043-Intracoastal West-North Of Atlantic Blvd
SubdivisionGately Oaks
CityJacksonville
CountyDuval
StateFL
Zip Code32225
Lot Dimensions90x120
Parcel Number162191-8830
ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage Door Opener

Interior

AppliancesDishwasher, Electric Oven, Electric Range, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne

Exterior

Lot DescriptionFew Trees
Patio / PorchPorch, Rear Porch, Screened
FencingBack Yard
RoofShingle
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedOctober 19, 2026
Days on Market3
HOA Fees$220 / Annually
HOA FrequencyAnnually
HOA NameGately Oaks Unit Four HOA Inc.
Tax Amount$7,307
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

Is this home priced right?

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

Open Houses

10/24/2026

12:00 pm - 3:00 pm