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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 pool home in Jacksonville.

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Sold

Sold·Closed Jul 25, 2025·10 days on market·Recent sales in Jacksonville

3325 Victoria Lakes Drive N

Jacksonville, FL 32226

$480,000sold priceListed at $485,000 · 99% of asking$165/sqftMLS# 2093165
5
Beds
3
Baths
2,917
Sq Ft
2004
Built
2
Garage
Yes
Pool
HOA $44/mo10,019 sqft lotSingle Family Residence2 stories

About this home

Jacksonville

Splash into summer at this gorgeous 5-bed, 3-bath POOL HOME in Victoria Lakes! Relax in your private backyard oasis with a saltwater pool, jacuzzi, and lush landscaping. Inside features include new flooring, open-concept kitchen/living with stainless steel appliances, and a split bedroom layout. Primary suite has tray ceiling, a walk-in closet, dual vanities, and garden tub. Huge bonus room w/ full bath, walk in closet, and separate AC system over the 2-car garage could easily be a second master suite. Cabana bath for pool access, new water softener and reverse osmosis drinking fountain. Dedicated indoor laundry room with sink. Low HOA fee includes community pool and splash pad, along with two playgrounds, a walking track and walking/hiking trail that connects to the local Sheffield Park. Just 4 miles from the 295 with drive times minutes from River City Marketplace, Mayport, Kings Bay, JAX airport, and an easy ride anywhere you need to be! This home is move-in ready for you!

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$2,659
Property taxesest. at asking price, Duval County$784
HOAbilled annually$44
Estimated total, before insurance$3,486/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$6,659/yr · $555/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$480,000
$96,000
Loan Term
Monthly Payment
$2,659
Principal & Interest: $2,659
Property taxes (est.): $784
Insurance (est.): $320
Estimated Total Monthly
$3,762
*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.

Sun & Light

Northeast-facing backyard — summer sunrises, all-day cool

The listing reports the home facing southwest, which puts the backyard and pool on the northeast side. Today at this address: sunrise 7:26 AM, sunset 7:00 PM.

  • The coolest diagonal for a lanai; a pool here trades warmth for comfort.
  • The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

Last sold: $469,000 in July 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$365,797$310,075▲ $5,000
2024$361,882$361,882▼ $906
2023$364,214$203,549—
2022$315,941$196,165▼ $18,571
2021$253,682$188,996—
2020$241,516$185,697▲ $10,507

2024 property taxes (current owner): $6,659/yr

Estimated taxes if purchased at asking price: ~$9,400/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.

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 $154/sq ft; this home is listed at $166/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
13513 Yellow Bluff Road, Jacksonville, FL 32226Listed by RPB REALTY,INCSep 2026$409,900$1974/22,0841100.2
3281 Alistair Court, Jacksonville, FL 32226Listed by BUCK & BUCK INCAug 2026$270,000$1294/22,088550.2
13762 Victoria Lakes Drive, Jacksonville, FL 32226Listed by TOP SOURCE REALTY LLCAug 2026$250,000$1054/32,3841630.2
4174 Victoria Lakes Drive W, Jacksonville, FL 32226Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$476,000$1725/32,76630.3
13895 Fish Eagle Drive E, Jacksonville, FL 32226Listed by SOVEREIGN REAL ESTATE GROUPSep 2026$365,000$1544/32,371650.5
13442 Teddington Lane, Jacksonville, FL 32226Listed by JPAR CITY AND BEACHAug 2026$365,712$1504/32,4351130.5

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$485,000
Price / Sq Ft$166
Bedrooms5
Bathrooms3.00
Full Baths3
Square Footage2,917
Acres0.23 acres
Year Built2004
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Waterfall
Is WaterfrontNo
Direction FacesSouthwest

School Information

ElementaryNew Berlin

Community Information

Address3325 Victoria Lakes Drive N, Jacksonville, FL 32226
Area096-Ft George/Blount Island/Cedar Point
SubdivisionVictoria Lakes
CityJacksonville
CountyDuval
StateFL
Zip Code32226
Lot Size10,018.8 sq ft
Parcel Number1063752450
ZoningResidential

Amenities

AmenitiesPool, Jogging Path, Playground
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewPool

Interior

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile, Vinyl
# of Stories2
SecuritySecurity System Owned, Smoke Detector(s)

Exterior

Patio / PorchCovered
FencingBack Yard
ConstructionFrame, Stucco

Additional Information

Date ListedJune 13, 2025
Days on Market10
HOA Fees$525.5 / Annually
HOA FrequencyAnnually
HOA NameThe Owners Association of Victoria Lakes
Tax Amount$6,658.82
Tax Year2024
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 Jul 25, 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.

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