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This home is in Jacksonville.

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Active·337 days on market

3821 Alcoy Road

Jacksonville, FL 32221

$3,200,000Est. $16,434/moMLS# 2109438

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About this home

Jacksonville

This also includes Parcel 002215-0010 which is a 2 acre lot that is connected making it a total of 10 acres. Presenting an exceptional opportunity to acquire a strategically located property at 3821 Alcoy Rd, currently zoned PUD (Planned Unit Development). Only 1.5 miles from a New Publix shopping center. This versatile parcel offers outstanding potential for commercial development, with surrounding growth and infrastructure supporting a smooth rezoning process. Situated in a rapidly developing area, this property benefits from strong visibility, convenient access to major roadways, and close proximity to residential communities, retail centers, and other commercial developments. Whether you're looking to establish retail, office space, medical facilities, or mixed-use development, this site is well-positioned to meet your needs.

Cost to own

Mortgage calculator

Home Price

$3,200,000

Down Payment: 20%

$640,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$16,434

Principal & Interest: $16,434

Property taxes (est.): $5,225

Insurance (est.): $2,133

Estimated Total Monthly

$23,793

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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

True monthly cost

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

Principal & interest20% down · 6.65% · 30yr$16,434

Property taxesest. at asking price, Duval County$5,225

Estimated total, before insurance$21,659/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,547/yr · $296/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$1,244,009	$180,889	—
2024	$164,445	$164,445	▼ $229
2023	$149,974	$149,827	▲ $10,493
2022	$136,207	$136,207	—
2021	$122,947	$122,947	—
2020	$122,246	$122,246	▲ $1,880

2024 property taxes (current owner): $3,547/yr

Estimated taxes if purchased at asking price: ~$62,700/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified

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

Likely septic · Public water · dbo_arcims_well_20220322

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,648 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

As of July 2026, 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