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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville — a waterfront home in Jacksonville.

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Sold

Sold·Closed Nov 21, 2024·46 days on market·Recent sales in Jacksonville

3794 Verde Gardens Circle

Jacksonville, FL 32218

$205,000sold priceListed at $205,000 · 100% of asking$151/sqftMLS# 2040874
3
Beds
2.5
Baths
1,361
Sq Ft
2010
Built
1
Garage
No
Pool
HOA $138/moWaterfrontTownhouse2 stories

About this home

Jacksonville

Welcome to your dream home! This charming 3-bedroom, 2.5-bath townhouse offers a perfect blend of comfort and convenience. Nestled by a serene pond, this home provides a peaceful retreat from the hustle and bustle of city life. An open floor plan perfect for family living and entertaining, features stainless steel appliances and ample cabinet space. Easy access to I-295, making your daily commute a breeze. Just minutes away from shopping, dining, and entertainment options. With low HOA fees, Don't miss this opportunity to own an affordable home in a prime location! Schedule a tour today and make this townhouse your new haven.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$1,136
Property taxesest. at asking price, Duval County$335
HOAbilled monthly$138
Estimated total, before insurance$1,608/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$205,000
$41,000
Loan Term
Monthly Payment
$1,136
Principal & Interest: $1,136
Property taxes (est.): $335
Insurance (est.): $137
Estimated Total Monthly
$1,607
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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: Shingle — year not disclosed (home built 2010)

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

Solar potential: ~1,753 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

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.

History

Price & status history

  • Sep 21, 2024Listed$205,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $186/sq ft; this home is listed at $151/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
12745 Geronimo Place, Jacksonville, FL 32218Listed by D R HORTON REALTY INCJun 2026$282,000$1883/2.51,504410.7
12743 Geronimo Place, Jacksonville, FL 32218Listed by D R HORTON REALTY INCJun 2026$285,000$1893/2.51,504450.7
12774 Geronimo Place, Jacksonville, FL 32218Listed by D R HORTON REALTY INCSep 2026$269,940$1813/2.51,492440.8
12768 Geronimo Place, Jacksonville, FL 32218Listed by D R HORTON REALTY INCSep 2026$260,000$1743/2.51,492980.8
12763 Geronimo Place, Jacksonville, FL 32218Listed by D R HORTON REALTY INCAug 2026$255,990$1863/2.51,373860.8
12765 Geronimo Place, Jacksonville, FL 32218Listed by D R HORTON REALTY INCAug 2026$255,990$1863/2.51,373730.8

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$205,000
Price / Sq Ft$151
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,361
Year Built2010
TypeResidential
Sub-TypeTownhouse
StatusClosed
# of Garages1
Has PoolNo
Pool FeaturesNone
Is WaterfrontYes

Community Information

Address3794 Verde Gardens Circle, Jacksonville, FL 32218
Area091-Garden City/Airport
SubdivisionVerde Gardens
CityJacksonville
CountyDuval
StateFL
Zip Code32218
Parcel Number019975-0225
ZoningResidential

Amenities

UtilitiesCable Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Open Floorplan, Primary Bathroom - Tub with Shower, Walk-In Closet(s)
AppliancesDishwasher, Electric Cooktop, Electric Oven, Freezer, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringLaminate
# of Stories2
LevelsTwo
LaundryIn Unit

Exterior

Patio / PorchPatio
RoofShingle
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedSeptember 21, 2024
Days on Market46
HOA Fees$138 / Monthly
HOA FrequencyMonthly
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: NAVY TO NAVY HOMES LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Nov 21, 2024. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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