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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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Sold

Sold·Closed Mar 31, 2026·38 days on market·Recent sales in New Construction — Jacksonville

3651 Annapolis Way

Jacksonville, FL 32224

$780,000sold priceListed at $799,000 · 97.6% of asking$289/sqftMLS# 2122696
3
Beds
3
Baths
2,702
Sq Ft
2015
Built
3
Garage
No
Pool
HOA $68/mo8,276 sqft lotSingle Family Residence1 story

About this home

Jacksonville

Welcome home to this beautifully maintained 3 bedroom, 3 bath home with office and flex space, situated on a premium lot in the sought-after Crosswater at Pablo Bay community. This open-concept David Weekley floor plan offers ceramic tile installed on the diagonal, custom moldings, French doors, ceiling fans, inside laundry, and custom blinds throughout. The gourmet kitchen features raised-panel cabinetry with stainless hardware, new stainless appliances (2023), glass tile backsplash, and a large café-style island—perfect for entertaining. The spacious owner's suite includes a tray ceiling, bay window, large walk-in closet, dual vanities, and a walk-in super shower. Recent upgrades include fresh interior and exterior paint (2022) and a new AC system (2022) for added peace of mind. Additional highlights include a 3-car garage, stucco exterior with stone accents, decorative glass front entry door, and a open air large stone patio with ceiling fans and outdoor TV.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$4,286
Property taxesest. at asking price, Duval County$1,274
HOAbilled annually$68
Estimated total, before insurance$5,628/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,471/yr · $706/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).

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $8,471/yr

Estimated taxes if purchased at asking price: ~$15,300/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.

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 $300/sq ft; this home is listed at $296/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3637 Crossview Drive, Jacksonville, FL 32224Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYOct 2026$860,000$3004/32,862280.1
3601 Crossview Drive, Jacksonville, FL 32224Listed by NEXT MOVE ATLANTIC COASTSep 2026$905,000$3104/32,919170.1
14526 Plumosa Drive, Jacksonville, FL 32250Listed by JWB REALTY LLCOct 2026$1,100,000$4393/2.52,50710.6
13780 Harbor Creek Place, Jacksonville, FL 32224Listed by REAL BROKER LLCOct 2026$640,000$2405/42,667380.6
3866 Luth Drive E, Jacksonville, FL 32250Listed by MOMENTUM REALTYOct 2026$425,000$1953/22,180740.7
3719 Sea Hawk Street E, Jacksonville, FL 32224Listed by JASON MITCHELL REAL ESTATE FLORIDA, LLC.Sep 2026$425,000$1914/2.52,227990.7

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$799,000
Price / Sq Ft$296
Bedrooms3
Bathrooms3.00
Full Baths3
Square Footage2,702
Acres0.19 acres
Year Built2015
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontNo

School Information

ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address3651 Annapolis Way, Jacksonville, FL 32224
Area026-Intracoastal West-South Of Beach Blvd
SubdivisionCrosswater@pablo Bay
CityJacksonville
CountyDuval
StateFL
Zip Code32224
Lot Size8,276.4 sq ft
Parcel Number1674514200

Amenities

AmenitiesPool, Clubhouse, Dog Park, Park, Playground
UtilitiesCable Available, Natural Gas Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Disposal, Electric Oven, Electric Water Heater, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator
HeatingCentral, Electric, Heat Pump
CoolingCentral Air
FlooringTile
# of Stories1
LevelsOne

Additional Information

Date ListedDecember 28, 2025
Days on Market38
HOA Fees$817 / Annually
HOA FrequencyAnnually
HOA NameCrosswater at Pablo Bay
Tax Amount$8,471.4
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HERRON REAL ESTATE LLC

Sold by: RE/MAX SPECIALISTS (buyer's brokerage)

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 Mar 31, 2026. 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.

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20+ years · 500+ closings · NE Florida

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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