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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 Dec 19, 2025·62 days on market·Recent sales in Jacksonville

6864 Plum Lake Drive E

Jacksonville, FL 32222

$355,000sold priceListed at $356,500 · 99.6% of asking$167/sqftMLS# 2108661
4
Beds
2.5
Baths
2,127
Sq Ft
1992
Built
2
Garage
No
Pool
HOA $21/mo0.70 acresWaterfrontSingle Family Residence1 story

About this home

Jacksonville

Welcome to this beautiful all-brick home in the desirable Plum Lake subdivision, offering 4 bedrooms and 2.5 baths on a spacious .79 acre lot. Built in 1992 and thoughtfully improved, this property features a brand-new 2025 roof, new two-car garage door with opener, white vinyl windows, blinds throughout, and fresh paint inside and out. The split floor plan includes new LVP flooring, carpeted bedrooms, and a cozy wood-burning fireplace. The kitchen is designed with all-wood cabinets, a farmhouse sink, stainless steel appliances, and plenty of space for dining. The primary suite includes a large walk-in closet, double vanity, and a stand-up shower. Additional highlights are the separate living, dining, and great rooms, an inside laundry room, circular driveway, 20x20 detached shed, new hot water heater (2025), 200-amp Square D panel. AC 2018 .

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$1,966
Property taxesest. at asking price, Duval County$580
HOAbilled annually$21
Estimated total, before insurance$2,567/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$1,507/yr · $126/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

$355,000
$71,000
Loan Term
Monthly Payment
$1,966
Principal & Interest: $1,966
Property taxes (est.): $580
Insurance (est.): $237
Estimated Total Monthly
$2,783
*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 — 2025 per the listing

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

Solar potential: ~1,724 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

2024 property taxes (current owner): $1,507/yr

Estimated taxes if purchased at asking price: ~$7,000/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

  • Sep 25, 2025Listed$356,500

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 $163/sq ft; this home is listed at $168/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
6878 Wall Springs Drive, Jacksonville, FL 32222Listed by 1 PERCENT LISTS FIRST COASTSep 2026$294,500$1633/21,802380.2
9624 Grove Hill Lane, Jacksonville, FL 32222Listed by RPB REALTY,INCSep 2026$355,000$2024/21,759150.2
7002 Beekman Lake Drive, Jacksonville, FL 32222Listed by OPENDOOR BROKERAGE, LLC.Sep 2026$326,000$1424/2.52,295650.3
9350 Whisper Glen Drive N, Jacksonville, FL 32222Listed by MOMENTUM REALTYOct 2026$300,000$1843/21,63130.6
10161 Ramsey Falls Drive, Jacksonville, FL 32222Listed by ENTERA REALTY LLCSep 2026$355,000$1424/2.52,5061030.6
7261 Longleaf Branch Drive, Jacksonville, FL 32222Listed by ENTERA REALTY LLCOct 2026$349,900$1524/32,297900.8

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$356,500
Price / Sq Ft$168
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,127
Acres0.70 acres
Year Built1992
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

ElementaryWest Jacksonville
MiddleWestside
HighWestside High School

Community Information

Address6864 Plum Lake Drive E, Jacksonville, FL 32222
Area064-Bent Creek/Plum Tree
SubdivisionPlum Tree
CityJacksonville
CountyDuval
StateFL
Zip Code32222
Lot Size30,492 sq ft
Lot DimensionsApprox .79 acre
Parcel Number0155241380
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingCircular Driveway, Garage, Garage Door Opener
ViewPond, Water
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile, Vinyl
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Patio / PorchCovered, Rear Porch
FencingBack Yard, Wood
RoofShingle
ConstructionBrick
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedSeptember 25, 2025
Days on Market62
HOA Fees$250 / Annually
HOA FrequencyAnnually
HOA NamePlum Lake
Tax Amount$1,506.57
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

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 Dec 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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