Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville.

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Pending

Pending·809 days on market

3257 Stratton Road

Jacksonville, FL 32221

$989,000$453/sqftEst. $5,043/moMLS# 2026511

Beds

Baths

2,184

Sq Ft

1958

Built

Garage

Pool

About this home

Jacksonville

Great opportunity for DEVELOPMENT, Rental INCOME PRODUCING or a FAMILY COMPOUND in a PRIME LOCATION on 10 ACRES, just minutes outside the CITY of JACKSONVILLE! This property Sale includes two Parcels, including (12872-0000 & 12872-0100) . The Front Parcel boasts 8+-Acres with a Private Drive. This Parcel includes 3 Mobile Homes ( DBW 3/2, SW 2 1/2, SW 2 1/2) which are all Rented. Huge Barn, Pole Barn, Meandering STREAM through the woods, Open Pasture with Clumps of Mature Trees. The North area is Serene & Parklike with cleared pathways amongst the scattered SHADE TREES. New ELECTRICAL PANEL, Enclosed Porch, 4TH BEDROOM can be WORKOUT RM/PLAYROOM, OFFICE OR DEN. New ELECTRICAL PANEL. 2 Car Garage/Workshop, Greenhouse, Covered wood Shed, Barn, 4in Well with new Filter. Metal Roof is 2yrs new. Wood BURNING STOVE for those chilly nights. New SHOPPING CENTER coming Soon. Close to the AIRPORT & the new FL-23 Expressway for easy Commute. For Country Hearts who have to live near the City

Cost to own

Mortgage calculator

Home Price

$989,000

Down Payment: 20%

$197,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$5,043

Principal & Interest: $5,043

Property taxes (est.): $1,615

Insurance (est.): $659

Estimated Total Monthly

$7,317

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$5,043

Property taxesest. at asking price, Duval County$1,615

Estimated total, before insurance$6,658/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$524,677	$51,794	—
2024	$208,487	$49,627	▼ $173
2023	$183,014	$46,726	▲ $14,529
2022	$162,482	$43,909	—
2021	$139,968	$41,174	▲ $983
2020	$135,520	$39,916	▲ $4,234

Estimated taxes if purchased at asking price: ~$19,400/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 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Metal — year not disclosed (home built 1958)

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

Solar potential: ~1,285 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. 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.