Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$261,000

11648 FT CAROLINE LAKES Drive, Jacksonville, FL 32225, Jacksonville, FL 32225

Fort Caroline Lakes

Price
$261,000
Beds / Baths
3 / 2
Living area
1,469 sqft
Year built
1985
Type
Townhouse
Lot
0.26 ac
Garage
1
HOA
None
CDD
No
Flood zone
Unknown
County
Duval
Days on market
13
Elementary
Lone Star
Middle
Landmark
High school
Sandalwood

AUCTION OPPORTUNITY! The list price is the STARTING BID ONLY! All bids are submitted directly to the listing agent and presented to the sellers. The sellers may choose to accept a bid and proceed with the sale at any time or allow the auction to continue. Bring your best offer! NO HOA! Discover this beautiful two story water front home! The spacious primary suite is conveniently located on the first floor and features a large walk-in closet. An open dining and living area creates an inviting flow into the kitchen, while the fireplace adds warmth and character to the main living space. Upstairs provides an additional flex space loft area and rooms for family, guests, or a home office. Step outside to the covered terrace overlooking the water an ideal spot for morning coffee or unwinding at the end of the day. A private garage adds even more convenience/storage. Located near shopping, dining, parks and more.

What to check on this one

  • Verify roof age and get 4-point inspection—1985 home may hit insurer limits soon.
  • Confirm flood zone designation and obtain elevation certificate for waterfront property.
  • Request septic system service records and well inspection if applicable.
  • Check for polybutylene or cast-iron plumbing; get plumbing inspection if pre-1995 pipes present.
  • Inspect garage, foundation, and waterfront structural integrity for water/moisture damage.
  • Verify no CDD or HOA; confirm no shared maintenance obligations with neighbors.

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$1,354/mo
Property tax (1.1% eff., Duval Co.)$239/mo
Homeowners insurance (est.)$292/mo
All-in monthly (est.)$1,885/mo

Loan $208,800 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of FADER & CO REALTY LLC. Data via realMLS (Northeast Florida MLS), updated Aug 24, 2026, 4:17 PM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.