This home is in Jacksonville.
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Sold·Closed Apr 24, 2026·77 days on market·Recent sales in Jacksonville
3866 San Bernado Drive
Jacksonville, FL 32217
About this home
Jacksonville
Offered for the first time, this solid brick home is one of the original residences in a highly sought-after area and has been owned by the same family for decades. Uniquely, the developer designed this home specifically for himself, which is evident in the larger lot size, increased square footage, expansive garage, and thoughtful details that set it apart from surrounding homes. The property spans a full lot plus a portion of a second, offering exceptional space, privacy, and presence. Inside, the home features five bedrooms and three full bathrooms with a generous and flexible floor plan. Terrazzo floors anchor the living room, while original wood floors throughout the home add warmth, character, and timeless appeal. Bedrooms are notably spacious with oversized closets, reflecting the intentional design incorporated from the start.
Next steps in Jacksonville
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
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 — year not disclosed (home built 1961)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,631 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 homeThis 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $358,156 | $114,585 | ▲ $27,575 |
| 2024 | $331,273 | $110,649 | — |
| 2023 | $332,234 | $105,970 | ▲ $27,768 |
| 2022 | $294,826 | $101,428 | ▲ $2,370 |
| 2021 | $251,687 | $97,018 | — |
| 2020 | $216,630 | $94,989 | — |
2025 property taxes (current owner): $2,610/yr
Estimated taxes if purchased at asking price: ~$7,300/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 (2025), 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 $233/sq ft; this home is listed at $164/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 8620 San Servera Drive W, Jacksonville, FL 32217Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Aug 2026 | $565,000 | $218 | 4/3 | 2,596 | 23 | 0 |
| 3730 Cathedral Cove Road, Jacksonville, FL 32217Listed by UNITED REAL ESTATE GALLERY | Sep 2026 | $855,000 | $326 | 4/3 | 2,624 | 6 | 0.2 |
| 3775 San Viscaya Drive, Jacksonville, FL 32217Listed by MOXII PRO REALTY | Sep 2026 | $450,000 | $233 | 4/3 | 1,930 | 181 | 0.2 |
| 8841 Pallazzo Terrace, Jacksonville, FL 32217Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $817,500 | $314 | 3/2.5 | 2,606 | 182 | 0.2 |
| 4068 Corrientes Court S, Jacksonville, FL 32217Listed by RE/MAX SPECIALISTS | Oct 2026 | $419,900 | $219 | 3/2 | 1,917 | 59 | 0.3 |
| 4202 San Clerc Road, Jacksonville, FL 32217Listed by NAVY TO NAVY HOMES LLC | Aug 2026 | $425,000 | $163 | 4/3 | 2,613 | 25 | 0.3 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: REALTY ONE GROUP ELEVATE
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
This home sold on Apr 24, 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.
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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