This home is in Jacksonville — a waterfront home in Jacksonville.
$519,0002 bd · 2 ba · 1,712 sq ft
Active·7 days on market
5454 Mariners Cove Drive
Jacksonville, FL 32210
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Experience the beauty of life on the water at this inviting Ortega River waterfront oasis, tucked away on a quiet cul-de-sac along one of Jacksonville's picturesque tidal waterways. Offering a wonderful combination of river views, boating convenience, including a lift and close proximity to Wayne B. Steven's boat launch, and comfortable living, this is a rare opportunity to make the waterfront lifestyle your own. The home's open living spaces create a welcoming atmosphere with plenty of natural light, while the spacious upstairs primary suite provides a peaceful retreat with a renovated bath and beautiful river views. Step outside to the custom elevated deck featuring brand new treated decking, where the tranquil setting and ever-changing river scenery invite you to slow down, enjoy the spa and literally soak in the atmosphere. There is also a nice fenced side yard - perfect for pets! For boating enthusiasts, the waterfront amenities are a standout feature.
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.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 1985)
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: ~1,534 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 November 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
19th Ave Nabout 20 mi · 15 parking spaces
Closest park or preserve
Tillie K. Fowler Regional Parkabout 2 mi · 4 mi of trails
Closest public boat ramp
Wayne B Stevens Parkabout 0.1 mi · Ortega River
Closest kayak & paddleboard launch
Seminole Park Paddlecraft Accessabout 2 mi · Ortega River
Closest youth league fields
Westside Middle School Parkabout 0.6 mi · Baseball, Softball, Football, Basketball, Soccer, Volleyball
Closest grocery store
Aldiabout 1 mi · 3538 Blanding 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
Northwest-facing backyard — summer sunsets, gentle days
The listing reports the home facing southeast, which puts the backyard on the northwest side. Today at this address: sunrise 6:48 AM, sunset 5:33 PM.
- The rear sits softly lit through most of the day, then catches the late golden hour — in summer the sun sets almost straight into this exposure.
- Cooler than a true west lot with some of the sunset payoff; winter evenings go dark early.
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): $6,255/yr
Estimated taxes if purchased at asking price: ~$10,200/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
- Nov 2, 2026Active$519,000
- Oct 30, 2026Listed$519,000
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 $218/sq ft; this home is listed at $303/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5231 Eulace Road, Jacksonville, FL 32210Listed by DOORVINE REALTY LLC | Oct 2026 | $305,000 | $163 | 4/2.5 | 1,875 | 58 | 0.7 |
| 5136 Big Forest Lane, Jacksonville, FL 32210Listed by HERRON REAL ESTATE LLC | Oct 2026 | $295,000 | $218 | 3/2 | 1,354 | 9 | 0.7 |
| 2704 Lake Shore Boulevard, Jacksonville, FL 32210Listed by HERRON REAL ESTATE LLC | Oct 2026 | $725,000 | $406 | 3/2 | 1,784 | 1 | 0.8 |
| 5367 Secluded Oaks Lane, Jacksonville, FL 32210Listed by CROSSVIEW REALTY | Oct 2026 | $299,500 | $205 | 3/2 | 1,462 | 4 | 1 |
| 4405 Rainer Road, Jacksonville, FL 32210Listed by GREEN PALM REALTY & PROPERTY MANAGEMENT | Oct 2026 | $229,000 | $173 | 4/2 | 1,326 | 27 | 1.1 |
| 4727 Verona Avenue, Jacksonville, FL 32210Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $610,000 | $290 | 3/2 | 2,100 | 19 | 1.1 |
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: MILLER & COMPANY REAL ESTATE
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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Text Krista about this home20+ years · 500+ closings · NE Florida
Is this home priced right?
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines