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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 home near Sandalwood High School.

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Sold

Sold·Closed Aug 4, 2025·278 days on market·Recent sales in Jacksonville

4041 High Pine Road

Jacksonville, FL 32225

$395,000sold priceListed at $390,000 · 101.3% of asking$190/sqftMLS# 2045879
4
Beds
2
Baths
2,080
Sq Ft
1987
Built
2
Garage
No
Pool
HOA $47/mo8,712 sqft lotSingle Family Residence1 story

About this home

Jacksonville

Price reduced! Discover this inviting split-floorplan home located in the sought-after Valley of Hidden Hills in the Ft. Caroline area. Enjoy low HOA fees and access to community amenities, including 2 swimming pools and 6 pickleball courts. This well-maintained, move-in-ready property boasts recent upgrades and is positioned on a spacious corner lot. Inside, you'll find LVP flooring throughout the main living areas. The open kitchen is equipped with stainless steel appliances, abundant counter and cabinet space, a walk-in pantry, and a cozy breakfast nook. The large family room features vaulted ceilings, skylights, and a sliding glass door that fills the space with natural light and offers easy access to the back deck with a great view. Additional highlights include a new roof installed in 2023, HVAC system serviced/cleaned recently (2011), a 2020 water heater, and new rain gutters (2024). Lawn irrigation is free and fed from a local lake. Come see it in person!

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$2,188
Property taxesest. at asking price, Duval County$645
HOAbilled quarterly$47
Estimated total, before insurance$2,880/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

$395,000
$79,000
Loan Term
Monthly Payment
$2,188
Principal & Interest: $2,188
Property taxes (est.): $645
Insurance (est.): $263
Estimated Total Monthly
$3,096
*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 — 2023 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,688 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.

Cost to own

Taxes & assessment

Last sold: $391,000 in June 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$330,600$209,905—
2024$302,797$203,282▲ $13,108
2023$299,504$299,504—
2022$272,331$230,906—
2021$209,915$209,915—
2020$204,400$204,400▲ $13,498

2023 property taxes (current owner): $5,572/yr

Estimated taxes if purchased at asking price: ~$7,700/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.

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 $234/sq ft; this home is listed at $188/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3953 Arbor Bluff Lane E, Jacksonville, FL 32225Listed by RIVER CITY RENTALS AND REALTYAug 2026$449,000$2544/21,768100.1
11987 Arbor Lake Drive, Jacksonville, FL 32225Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$388,900$2553/21,526250.3
11636 Brush Ridge Circle N, Jacksonville, FL 32225Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYAug 2026$385,000$2343/21,643210.3
3329 Cancun Drive E, Jacksonville, FL 32225Listed by WATSON REALTY CORPSep 2026$285,000$1923/21,48550.5
4276 Stratford Way, Jacksonville, FL 32225Listed by LA ROSA REALTY NORTH FLORIDA, LLC.Aug 2026$529,000$2183/22,429550.5
4533 Monument Point Circle, Jacksonville, FL 32225Listed by LINDA STRICKLAND REALTYAug 2026$410,000$2124/21,93030.7

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$390,000
Price / Sq Ft$188
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,080
Acres0.20 acres
Year Built1987
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryDon Brewer
MiddleLandmark

Community Information

Address4041 High Pine Road, Jacksonville, FL 32225
Area042-Ft Caroline
SubdivisionValley
CityJacksonville
CountyDuval
StateFL
Zip Code32225
Lot Size8,712 sq ft
Parcel Number1602802244

Amenities

AmenitiesPool, Pickleball
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Pantry, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringVinyl
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
Window FeaturesSkylight(s)

Exterior

Lot DescriptionCorner Lot
Patio / PorchDeck
FencingBack Yard, Wood
RoofShingle
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedMay 8, 2025
Days on Market278
HOA Fees$140 / Quarterly
HOA FrequencyQuarterly
Tax Amount$5,571.69
Tax Year2023
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: 904 REALTY 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 Aug 4, 2025. 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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