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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 Sutton Lakes, Jacksonville — a waterfront home in Jacksonville.

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Sold

Sold·Closed Aug 19, 2025·8 days on market·Recent sales in Sutton Lakes·Sutton Lakes

1946 Coldfield Drive W

Jacksonville, FL 32246

$395,000sold priceListed at $395,000 · 100% of asking$239/sqftMLS# 2098230
3
Beds
2
Baths
1,654
Sq Ft
2001
Built
2
Garage
Yes
Pool

18 more homes for sale in Sutton Lakes →Search Sutton Lakes on the map

HOA $32/mo13,504 sqft lotWaterfrontSingle Family Residence1 story

About this home

Sutton Lakes

Welcome home to this beautifully renovated 3-bedroom, 2-bathroom home in the highly desirable community of Sutton Lake. This home is situated on a large lot, overlooking a peaceful pond, and tucked away in a quiet neighborhood central to everything!

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 annually$32
Estimated total, before insurance$2,864/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$5,749/yr · $479/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

$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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $5,749/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, NEFMLS.

History

Price & status history

  • Jul 11, 2025Listed$395,000

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 $228/sq ft; this home is listed at $239/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
11125 Wyndham Hollow Lane, Jacksonville, FL 32246Listed by LPT REALTY LLCSep 2026$415,000$2233/21,865820.1
10967 Majuro Drive, Jacksonville, FL 32246Listed by BASS PROFESSIONAL REALTY, INCSep 2026$308,000$2283/21,3481160.2
2126 Weymouth Circle E, Jacksonville, FL 32246Listed by MOMENTUM REALTYSep 2026$275,000$1844/21,49280.2
1878 Willesdon Drive E, Jacksonville, FL 32246Listed by REAL BROKER LLCSep 2026$489,000$2523/2.51,944110.4
2130 Knottingham Trace Lane, Jacksonville, FL 32246Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$420,000$2044/22,063580.6
12009 Sunchase Drive, Jacksonville, FL 32246Listed by O'MALLEY REAL ESTATE INCSep 2026$459,900$2353/21,95320.8

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$395,000
Price / Sq Ft$239
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,654
Acres0.31 acres
Year Built2001
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesNone
Is WaterfrontYes

Community Information

Address1946 Coldfield Drive W, Jacksonville, FL 32246
Area023-Southside-East Of Southside Blvd
SubdivisionSutton Lakes
CityJacksonville
CountyDuval
StateFL
Zip Code32246
Lot Size13,503.6 sq ft
Parcel Number1652629815

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Playground
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, On Street
ViewPond
Waterfront TypePond

Interior

Interior FeaturesOpen Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower
AppliancesElectric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Laminate
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
LaundryIn Garage

Exterior

Patio / PorchCovered, Rear Porch
FencingWood

Additional Information

Date ListedJuly 11, 2025
Days on Market8
HOA Fees$378 / Annually
HOA FrequencyAnnually
Tax Amount$5,749.11
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REAL BROKER 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.

The neighborhood

About Sutton Lakes

Sutton Lakes is a neighborhood in Jacksonville, FL (Duval County), ZIP 32246.

View all Sutton Lakes homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 19, 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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