NOT LISTED FOR SALE

5422 Emerald Reef Ct Jacksonville, FL 32277

Charter Point Neighborhood

Estimated Value: $369,832 - $398,000

4 Beds
2 Baths
2,078 Sq Ft
$185/Sq Ft Est. Value

Sale Details

Date Sold: June 4, 2025

Last sale price $399,000 $192 Per Sq Ft

Est. 3% decrease in value since last sale

Current estimated payment $2,268 / mo

1 Day on Market

Highlights

  • Golf Course Community
  • Vaulted Ceiling
  • Wood Flooring
  • Community Boat Launch
  • Traditional Architecture
  • 1 Fireplace

About This Home

As of June 2025

Gorgeous Charter Point home, near Reddie Point Preserve - North of Jacksonville University, with picture perfect renovations and a lush, private, fully fenced backyard. Not only is the interior upgraded in every corner (hardwoods, crown molding, built-ins, cabinetry, appliances, shiplap, etc.), but the location is adjacent to an amazing newly-updated public pool/playground/golf course, a public boat/kayak launch, AND a 102 acre preserve with trails and fishing. The primary suite is huge, with a wonderful bath and large walk-in. The split bedroom layout is perfect, and the additional office might be ideal for your needs. You just may never want to leave the back porch. No open houses are scheduled but private appointments are easy to arrange.

Last Agent to Sell the Property

Susan Hopkins

CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST License #3198249 Listed on: 04/18/2025

CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST

Co-Listed By

Jon Singleton

CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST License #3027739

Last Buyer's Agent

Lisa Alford

HERRON REAL ESTATE LLC License #3515762

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $2,082

Year Built

  • Built in 1995

Lot Details

  • 8,712 Sq Ft Lot
  • Lot Dimensions are 80x110
  • North Facing Home
  • Back Yard Fenced

HOA Fees

  • $18 Monthly HOA Fees

Parking

  • 2 Car Garage

Home Design

  • Traditional Architecture
  • Frame Construction
  • Shingle Roof
  • Stucco

Interior Spaces

  • 2,078 Sq Ft Home
  • 1-Story Property
  • Built-In Features
  • Vaulted Ceiling
  • 1 Fireplace
  • Entrance Foyer

Kitchen

  • Eat-In Kitchen
  • Electric Range
  • Dishwasher

Flooring

  • Wood
  • Carpet

Bedrooms and Bathrooms

  • 4 Bedrooms
  • Split Bedroom Floorplan
  • Walk-In Closet
  • 2 Full Bathrooms
  • Separate Shower in Primary Bathroom

Laundry

  • Laundry in unit
  • Dryer
  • Washer

Additional Features

  • Covered Patio or Porch
  • Central Heating and Cooling System

Listing and Financial Details

  • Assessor Parcel Number 1123325065

Community Details

Overview

  • Association fees include ground maintenance
  • Emerald Bay Subdivision

Recreation

  • Community Boat Launch
  • Golf Course Community
  • Tennis Courts
  • Community Playground
  • Community Pool

Home Details

Home Type

Single Family

Est. Annual Taxes

$2,082

Year Built

Built in 1995

Lot Details

8,712 Sq Ft Lot

HOA Fees

$18 per month

Parking

2

Listing Details

  • Property Type: Residential
  • Property Attached Yn: No
  • New Construction: No
  • Stories: 1
  • Year Built: 1995
  • Property Sub Type: Single Family Residence
  • Lot Size Acres: 0.2
  • Lot Size: 80X110
  • Road Frontage Type: City Street
  • Road Surface Type: Asphalt
  • Subdivision Name: Emerald Bay
  • Architectural Style: Traditional
  • Carport Y N: No
  • Garage Yn: Yes
  • Unit Levels: One
  • General Property Information Accessibility Features YN2: No
  • General Property Information Accessory Dwelling Unit YN: No
  • General Property Information:Pool Private YN: No
  • General Property Information Homestead YN: Yes
  • Special Features: VirtualTour

Interior Features

  • Interior Amenities: Built-in Features, Entrance Foyer, Eat-in Kitchen, Vaulted Ceiling(s), Walk-In Closet(s), Primary Bathroom -Tub with Separate Shower, Split Bedrooms
  • Major Appliances: Dryer, Dishwasher, Electric Range, Refrigerator, Washer
  • Furnished: Unfurnished
  • Full Bathrooms: 2
  • Total Bedrooms: 4
  • Fireplaces: 1
  • Fireplace: Yes
  • Flooring: Carpet, Wood
  • Living Area: 2078.0

Exterior Features

  • Waterfront: No
  • Roof: Shingle
  • Pool Private: No
  • Construction Type: Frame, Stucco
  • Direction Faces: North
  • Patio And Porch Features: Covered, Rear Porch
  • Property Condition: Updated/Remodeled

Garage/Parking

  • Attached Garage: No
  • Garage Spaces: 2.0

Utilities

  • Utilities: Electricity Connected, Sewer Connected, Water Connected
  • Laundry Features: In Unit
  • Cooling: Central Air
  • Cooling Y N: Yes
  • Heating Yn: Yes
  • Water Source: Public

Condo/Co-op/Association

  • Association Fee: 210.0
  • Association Fee Frequency: Annually
  • Senior Community: No
  • Amenities: Golf Course, Playground, Tennis Court(s), Boat Launch, Pool
  • Association: Yes

Fee Information

  • Association Fee Includes: Maintenance Grounds

Lot Info

  • Current Use: Residential
  • Lot Size Sq Ft: 8712.0
  • Parcel #: 1123325065

Tax Info

  • Tax Annual Amount: 2082.08
  • Tax Year: 2024

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Apr 18, 2025
Closed on
Jun 2, 2025
Sold by
Merritt Marcia L
Bought by
Hatchett Matthew and Hatchett Samantha
Seller's Agent
Susan Hopkins
CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
Buyer's Agent
Lisa Alford
HERRON REAL ESTATE LLC
List Price
$394,500
Sold Price
$399,000
Premium/Discount to List
$4,500
1.14%
Views
33
Current Estimated Value
$385,458

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$13,542
Avg. Annual Appreciation
-3.89%
Original Mortgage
$364,500
Outstanding Balance
$362,295
Interest Rate
6%
Mortgage Type
New Conventional
Estimated Equity
$23,163

Purchase Details

Closed on
Feb 23, 2018
Sold by
Merritt Richard V and Merritt Marcia L
Bought by
Merritt Marcia L

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$159,500
Interest Rate
4.04%
Mortgage Type
New Conventional

Purchase Details

Closed on
Sep 16, 2008
Sold by
Merritt Richard V
Bought by
Merritt Marcia L

Purchase Details

Closed on
Jan 5, 2000
Sold by
Pmi Mtg Insurance Co
Bought by
Merritt Richard and Merritt Marcia L

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$139,230
Interest Rate
7.8%
Mortgage Type
VA

Purchase Details

Closed on
Oct 31, 1997
Sold by
Jordan Builders Inc
Bought by
Howard Dwayne H and Howard Judy A

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$129,850
Interest Rate
7.31%
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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Average Value
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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Purchase History

Date Buyer Sale Price Title Company
Hatchett Matthew $399,000 Watson Title
Hatchett Matthew $399,000 Watson Title
Merritt Marcia L -- Landmark Title
Merritt Marcia L -- None Available
Merritt Richard $136,500 Security Title
Howard Dwayne H $136,700 --
Source: Public Records

Mortgage History

Date Status Borrower Loan Amount
Open Hatchett Matthew $364,500
Closed Hatchett Matthew $364,500
Previous Owner Merritt Marcia L $159,500
Previous Owner Merritt Richard $139,230
Previous Owner Howard Dwayne H $129,850
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
06/04/2025 06/04/25 Sold $399,000 +1.1% $192 / Sq Ft
04/18/2025 04/18/25 For Sale $394,500 -- $190 / Sq Ft
Source: realMLS (Northeast Florida Multiple Listing Service)

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2026 $2,309 $290,243 $70,792 $219,451
2025 $2,082 $150,045 -- --
2024 $2,082 $145,817 -- --
2023 $2,017 $141,570 $0 $0
2022 $1,838 $137,447 $0 $0
2021 $1,817 $133,444 $0 $0
2020 $1,796 $131,602 $0 $0
2019 $1,771 $128,644 $0 $0
2018 $1,743 $126,246 $0 $0
2017 $1,717 $123,650 $0 $0
2016 $1,702 $121,107 $0 $0
2015 $1,717 $120,266 $0 $0
2014 $1,718 $119,312 $0 $0
Source: Public Records

Agents Affiliated with this Home

  • Susan Hopkins

    Seller's Agent in 2025

    Susan Hopkins

    CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST

    (904) 477-2076

    1 in this area

    103 Total Sales

    Susan Hopkins
    Section Image
  • Jon Singleton

    Seller Co-Listing Agent in 2025

    Jon Singleton

    CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST

    (904) 226-3480

    1 in this area

    140 Total Sales

    Jon Singleton
    Section Image
  • Lisa Alford

    Buyer's Agent in 2025

    Lisa Alford

    HERRON REAL ESTATE LLC

    (904) 274-0188

    1 in this area

    14 Total Sales

    Lisa Alford
    Section Image
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Map

Source: realMLS (Northeast Florida Multiple Listing Service)

MLS Number: 2082387

realMLS (Northeast Florida Multiple Listing Service)

APN: 112332-5065

Florida Duval County Jacksonville 32277 Charter Point

5422 Emerald Reef Ct, Jacksonville, FL

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realMLS (Northeast Florida Multiple Listing Service) IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by NEFMLS.

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