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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 waterfront home in Jacksonville.

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Active Under Contract

$349,999Active Under Contract3 bd · 2.5 ba · 2,031 sq ft

Active Under Contract·1 day on market

14054 Saddlehill Court

Jacksonville, FL 32258

$349,999$172/sqftEst. $1,897/mo mortgageMLS# 2173345
↓ $6,001 below original list
3
Beds
2.5
Baths
2,031
Sq Ft
2010
Built
2
Garage
No
Pool
FEMA Zone XHOA $339/mo3,049 sqft lotWaterfrontTownhouse2 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) 709-7917 Text Krista

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

About this home

Jacksonville

Beautifully updated 3-bedroom townhome with water views in a gated community! The kitchen is truly the heart of this home, featuring new cabinets, quartz countertops, backsplash, appliances and a large island with bar seating. The open floor plan offers a generous living area, formal dining room and half bath downstairs. Step outside to the covered, screened patio overlooking the pond, complete with tile flooring and a new ceiling fan. Upstairs you'll find all three bedrooms, including a spacious primary suite with water views and an incredible oversized walk-in closet! One bedroom features wood flooring, perfect for a home office. Additional features include custom blinds throughout, a laundry room with custom cabinetry, under-stair storage and a two-car garage with an epoxy-coated floor. Recent updates include a new water heater, surge protector and generator outlet. Enjoy the community pool, clubhouse and playground! Come see everything this beautiful townhome has to offer!

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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 · 7.18% · 30yr$1,897
Property taxesest. at asking price, Duval County$573
HOAbilled monthly$339
Estimated total, before insurance$2,809/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,191/yr · $266/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

$349,999
$70,000
Loan Term
Monthly Payment
$1,897
Principal & Interest: $1,897
Property taxes (est.): $573
Insurance (est.): $233
Estimated Total Monthly
$2,703
*30-year loan at 7.18% APR (avg 30-yr rate 2026-11-05, 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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2010)

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

Solar potential: ~1,675 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.

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,191/yr

Estimated taxes if purchased at asking price: ~$6,900/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 3,601 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 12, 2026Active Under Contract$349,999
  • Nov 12, 2026Price change$349,999−$6,001
  • Nov 11, 2026Listed$356,000

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 $217/sq ft; this home is listed at $172/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
14098 Mahogany Avenue, Jacksonville, FL 32258Listed by THE NEWCOMER GROUPSep 2026$297,000$1463/2.52,0311510.2
5935 Tavernier Street, Jacksonville, FL 32258Listed by UNITED REAL ESTATE GALLERYSep 2026$358,000$1763/2.52,031470.2
11795 Etteridge Drive, Jacksonville, FL 32256Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$401,716$2353/2.51,70900.5
14017 Ashkirk Court, Jacksonville, FL 32256Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$336,438$2173/2.51,549560.6
11787 Etteridge Drive, Jacksonville, FL 32256Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$342,370$2213/2.51,54900.6
14013 Ashkirk Court, Jacksonville, FL 32256Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$365,000$2143/2.51,709380.6

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

Price$349,999
Price / Sq Ft$172
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,031
Acres0.07 acres
Year Built2010
TypeResidential
Sub-TypeTownhouse
Property ConditionUpdated/Remodeled
StatusActive Under Contract
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

This listingNo schools reported in the MLS
ElementaryBartram Springs, reported on 18 other Flagler Station listings
MiddleTwin Lakes Academy, reported on 18 other Flagler Station listings
HighAtlantic Coast, reported on 11 other Flagler Station listings
County schoolsJacksonville Area Schools
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address14054 Saddlehill Court, Jacksonville, FL 32258
Area015-Bartram
SubdivisionFlagler Station
CityJacksonville
CountyDuval
StateFL
Zip Code32258
Lot Size3,049.2 sq ft
Parcel Number1680842790

Amenities

AmenitiesPool, Clubhouse, Gated, Maintenance Grounds, Playground
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener, Guest
ViewPond, Water
Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDishwasher, Electric Oven, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FireplaceNo
# of Fireplaces0
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Lower Level, Washer Hookup
SecuritySecurity Gate
Spa FeaturesCommunity

Exterior

Lot DescriptionCul-De-Sac
Patio / PorchRear Porch, Screened
RoofShingle
ConstructionBlock, Frame, Stucco

Additional Information

Date ListedNovember 12, 2026
Days on Market1
HOA Fees$339 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesMaintenance Grounds, Pest Control
Tax Amount$3,191.04
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ROUND TABLE 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.

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