CENTURY 21 Edge
$269,9003 bd2 ba1,168 sqft$231 /sqft≈$2,139 /mo all-in ↓

11685 SHELLFISH DRIVE, JACKSONVILLE, FL, 32246

Active7 days on marketListed Oct 5, 2026MLS #FC321913

✦ Priced 30% below the JACKSONVILLE 32246 medianSingle Family ResidenceBEACHWOOD

Come see it

Upcoming open house

Fri, Oct 16

4:00 PM – 6:00 PM

About this home

11685 SHELLFISH DRIVE

UPDATED, FLEXIBLE & MOVE-IN READY! NO HOA or CDD! Welcome to this concrete block home in the established Beachwood community, offering 3 bedrooms, 2 baths, plus a separate flex room with double doors - ideal as a home office, den, playroom, guest space, or non-conforming 4th bedroom. Major improvements are already complete, including a NEW ROOF and COMPLETE ELECTRICAL REWIRE in 2024, along with updated interior and exterior paint. Inside, luxury vinyl plank flooring and ceiling fans complement a comfortable, easy-care layout. The kitchen features stainless steel appliances, a breakfast bar, and an open kitchen and dining area designed for everyday living and entertaining. The home also features central A/C with an electric heat pump, programmable thermostat, and an attached laundry room with washer and electric dryer hookups. Conveniently located near FSCJ South Campus, UNF, St. Johns Town Center, shopping, dining, and Jacksonville's beaches, with quick access 9A/I-295 and Beach Blvd. Outside a LARGE FENCED BACKYARD with mature shade trees and a back patio with plenty of room to entertain, garden, play, or simply relax outdoors. With major 2024 updates, concrete block construction, flexible living space, a spacious fenced yard, and a convenient Jacksonville location, 11685 Shellfish Dr. is ready to welcome its next owner.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,168

Sqft

0.17 ac

Lot size

1961

Year built

One

Levels

$231

Per sqft

Negotiable

Inside

FlooringCarpet · Luxury Vinyl · Tile
AppliancesDishwasher · Dryer · Electric Water Heater · Exhaust Fan · Ice Maker · Microwave · Refrigerator · Washer
InteriorCeiling Fan(s) · Living Room/Dining Room Combo · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Window Treatments
LaundryLaundry Room · Other
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
FacesSouth
ExteriorSidewalk

Community & fees

Taxes (2025)$3,248/yr

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$2,139 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,589
FHA mortgage insurance (est.)$119
Property tax — 2025 actual bill$271
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $9,447Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $9,447
Interest rate6.00%
Loan term

Estimated payment

$2,139/mo

Principal & interest$1,589
FHA mortgage insurance (est.)$119
Property taxes (actual bill)$271
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $270K
$214KedgeAI estimate $230,684 · range $223K–$251K$281K

vs edgeAI estimate

+17%

$/sqft vs Jacksonville actives

$231 vs $173

Days on market

7 vs 47 typical

Where $231/sqft sits among the 148 Jacksonville actives

20
17
35
30
19
27 · this home
$91–117$117–143$143–169$169–195$195–221$221+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Beachwood

Get to know Jacksonville. See the full Jacksonville guide →

Beachwood — neighborhood snapshot

Population

1,420

Median age

34

Median income

$58,029

Median home value

$218,200

Avg household

3

Households w/ children

178

For the school run

Duval County School District

HighSandalwood High School★★★★★
MiddleKernan Middle School★★★★★
ElementaryKernan Trail Elementary School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Jacksonville market

Seller’s marketLeans seller — 3.6 months of inventoryBuyer’s market

$330K → $312K

Jacksonville median sold, yr/yr

97.7%

Sale-to-list ratio (12 mo)

77 of 148

Jacksonville actives have cut their price

Median sold price, Jacksonville, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 30% below the JACKSONVILLE 32246 median. See the full Jacksonville market guide →

Paper trail

This home's history

Oct 5, 2026Listed at $269,900 · 7 days on market since
1961Built · BEACHWOOD

Reality check

What actually sold near 11685 SHELLFISH DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

11733 SURFWOOD AVENUESold · Nov ’25

$310,000

11733 SURFWOOD AVENUE · same community

4 bd · 2 ba · 1,671 sqft · $186/sqft · 155 DOM

10740 ALDEN ROAD UNIT 1Sold · Apr ’26

$165,000

10740 ALDEN ROAD UNIT 1

2 bd · 2.5 ba · 1,166 sqft · $142/sqft · 0 DOM

10969 WITCHAVEN STREETSold · Feb ’26

$197,500

10969 WITCHAVEN STREET

3 bd · 2 ba · 1,170 sqft · $169/sqft · 3 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Leila Sabat

Your agent

Leila Sabat

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 11685 SHELLFISH DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 11685 SHELLFISH DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Leila's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

11685 SHELLFISH DRIVE FAQs

What would the monthly payment be for 11685 SHELLFISH DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,139/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on 11685 SHELLFISH DRIVE?+

The most recent tax bill on record (2025) was $3,248. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Jacksonville?+

At $269,900, this home is listed about 7% below the Jacksonville median of $289,900. The market section on this page shows how the area is trending.

Which schools are assigned to 11685 SHELLFISH DRIVE?+

Sandalwood High School (high), Kernan Middle School (middle), Kernan Trail Elementary School (elementary) — Duval County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Under the JACKSONVILLE 32246 market on paper

$269,900 is 30% below the JACKSONVILLE 32246 median of $384,450.

02Fresh on the market

Only 7 days on market in a Jacksonville market that averages 47 — if it fits, move quickly.

03Strong assigned schools

Sandalwood High School, Kernan Middle School, Kernan Trail Elementary School — Kernan Trail Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of EXP REALTY LLC · Tracy Williams, LLC. MLS #FC321913.

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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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