This home is in Jacksonville — a waterfront home in Jacksonville.
Active·283 days on market
3560 Sunfish Drive
Jacksonville, FL 32226
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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 333-8595 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Welcome to 3560 Sunfish Dr, a beautifully appointed 3-bed, 2-bath home nestled in the highly desirable Alta Lakes community of Northeast Jacksonville. This thoughtfully designed residence offers 1,714 sq. ft. of comfortable living space. Community & Lifestyle Located within the master-planned Alta Lakes neighborhood, this home provides access to an array of fantastic community amenities. Unbeatable Location Positioned with easy access to major highways including I-95 and I-295, this address makes commuting, travel, and daily errands effortless. You're just minutes from River City Marketplace for shopping, dining, and entertaining. For those connected to military life, the location is exceptionally strategic — offering convenient drives to NAS Jacksonville, Mayport Naval Station, and the Kings Bay Submarine Base. Plus, quick routes to hospitals, schools, beaches, and downtown Jacksonville add even more value to your lifestyle.
Next steps in Atlantic Beach
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.
- • 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
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.
Hurricane evacuation zone D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: material not specified — year not disclosed (home built 2020)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,770 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 homeAs 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.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:20 AM, sunset 7:12 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $273,644 | $216,038 | — |
| 2024 | $264,102 | $214,102 | ▲ $14,239 |
| 2023 | $287,968 | $221,023 | — |
| 2022 | $263,130 | $213,130 | ▲ $24,231 |
| 2021 | $192,069 | $192,069 | — |
| 2020 | $37,000 | $37,000 | ▼ $3,000 |
2025 property taxes (current owner): $6,986/yr
Estimated taxes if purchased at asking price: ~$6,100/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.
History
Price & status history
- Sep 30, 2026Price change$310,000−$4,000
- Sep 7, 2026Price change$314,000−$1,000
- Aug 28, 2026Price change$315,000−$2,000
- Aug 11, 2026Price change$317,000−$1,000
- Aug 1, 2026Price change$318,000−$1,000
- Jul 27, 2026Price change$319,000−$1,000
- Dec 21, 2025Listed$320,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: NAVY TO NAVY HOMES 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.
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Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines