This home is in Jacksonville — a waterfront home in Jacksonville.
Active·16 days on market
1045 Panther Lake Parkway
Jacksonville, FL 32221
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Enjoy beautiful waterfront living in this 2023-built, four-bedroom, two-bath home on a .37-acre lot with great lake views. The home offers modern construction and many builder upgrades including an extended two car garage, 42-inch kitchen cabinets, granite countertops, 9-foot ceilings, custom LVP plank flooring, and 6-inch baseboards. The large owner's suite features a custom walk-in shower and spacious walk-in closet. Exterior stone accents add curb appeal, and the garage has an epoxy-finished floor. The .37-acre lot gives you extra outdoor space to enjoy on your extended paver patio while the waterfront setting provides beautiful views right from home. Built in 2023, you can enjoy the benefits of newer construction and modern finishes. The community also offers a clubhouse, fitness center, pool, tennis, dog park and playground amenities for added enjoyment. Located just five minutes from I-10, you'll have convenient access to Jacksonville, shopping, dining, and everyday essentials.
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 AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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 2023)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,234 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 homeAs 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.
Closest park or preserve
Camp Milton Historic Preserveabout 2 mi · 1.3 mi of trails
Closest public boat ramp
Curtis Lee Johnson Marina Park Public Boat Ramp (aka. Lighthouse Marina)about 8 mi · Cedar River
Closest kayak & paddleboard launch
Stinson Park Paddlecraft and Dinghy Dockabout 9 mi · Ortega River
Closest youth league fields
Bishop John Snyder High Schoolabout 4 mi · Baseball, Basketball, Football, Soccer, Volleyball
Closest grocery store
Publixabout 2 mi · 11341 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.
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 7:40 AM, sunset 6:42 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): $5,423/yr
Estimated taxes if purchased at asking price: ~$7,600/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 13, 2026Listed$390,000
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 $181/sq ft; this home is listed at $195/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 899 Panther Lake Parkway, Jacksonville, FL 32221Listed by ROUND TABLE REALTY | Jul 2026 | $363,990 | $163 | 4/4 | 2,239 | 24 | 0.1 |
| 11309 Panther Lake Court, Jacksonville, FL 32221Listed by ROUND TABLE REALTY | Aug 2026 | $351,990 | $150 | 4/2.5 | 2,353 | 80 | 0.4 |
| 1437 Tan Tara Trail, Jacksonville, FL 32221Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $385,000 | $191 | 4/2.5 | 2,013 | 25 | 0.5 |
| 11455 Panther Creek Parkway, Jacksonville, FL 32221Listed by LPT REALTY, LLC | Oct 2026 | $433,000 | $181 | 5/2 | 2,390 | 22 | 0.6 |
| 1486 Panther Lake Parkway, Jacksonville, FL 32221Listed by SUPREME PATH BROKERAGE LLC | Sep 2026 | $415,000 | $178 | 4/3 | 2,329 | 85 | 0.6 |
| 1380 Panther Preserve Parkway, Jacksonville, FL 32221Listed by ROUND TABLE REALTY | Sep 2026 | $280,000 | $182 | 3/2 | 1,541 | 74 | 0.9 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KALLAM REALTY GROUP PLLC
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
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