Community Details at a Glance
The Homes
Setting
Harbour Island and Harbour North
Era
Built 1970 to 1998
Costs & Fees
Fees
A CDD or district line applies; confirm it on the parcel
Taxes
Duval County millage; budget the all-in monthly
Amenities
Confirm
Confirm amenities and access with the association
Location
Area
Jacksonville, Duval County, ZIP 32225
The Homes & Style
The neighborhoods appeal to offshore anglers, boaters, and renovators.
From about $400K upward, dated; dockage drives price. Comp on the canal.
Affordable ocean-access supply is fixed and shrinking through rebuilds.
The neighborhoods are about the canal position, the dockage, and the renovation.
Dock-equipped frontage is the product.
Lifts and bulkheads appraise like structures.
Ranch-era originals to full rebuilds set the spread.
Living Here
The canal is the amenity.
Backyard dockage along both banks.
Minutes to the St. Johns and the river mouth.
Voluntary associations only.
The Timucuan parks at the doorstep.
Monument and Atlantic corridors cover the run, with the Town Center fifteen minutes out.
Minutes to the river mouth beats every gated basin s lock schedule; anglers price exactly that.
Each rebuilt ranch resets the street comps upward; early renovators capture it.
Marsh Landing has its own Harbour Island; confirm the Fort Caroline address in every document.
Before You Offer
Jacksonville sees coastal, river, and creek flooding, and pockets near the St. Johns River tributaries can sit in higher-risk zones. Jacksonville participates in the FEMA Community Rating System at a class 6, which earns flood-insurance discounts of about 10 percent for homes outside a special flood hazard area and about 20 percent for homes inside one.
The reliable move is to pull the FEMA flood designation for the exact Harbour Island and Harbour North address before you write an offer, since two homes in the same area can fall in different zones. A home in Zone X can cost far less to insure than one near water in Zone AE. Get a bindable flood and homeowners quote during your inspection period, so the cost is in your monthly math before you commit, not after.
The Jacksonville metro is served by Xfinity (Comcast) cable across nearly all addresses and by AT&T with DSL almost everywhere plus fiber to a growing share of homes. If working from home matters, confirm the options, and fiber in particular, at the specific Harbour Island and Harbour North address rather than assuming.
Duval County total millage runs roughly 17.9 to 18.5 mills depending on the taxing district. The Florida homestead exemption for 2026 is 51,411 dollars for those who qualify, and the deadline to file a new homestead exemption is March 1.
The trap to plan for is the post-sale reset: when you buy, the Save Our Homes cap from the previous owner ends and the assessed value resets to the new just value, so your second-year tax bill is often higher than the seller current one. Budget the true number, and confirm whether the specific home carries a CDD or other assessment that is billed separately from the millage and is not reduced by the homestead exemption.
