This home is in Ironwood, Jacksonville.

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Active

Active·197 days on market·Ironwood

3897 Lionheart Drive

Jacksonville, FL 32216

$345,000$201/sqftEst. $1,759/moMLS# 2124559

Beds

Baths

1,715

Sq Ft

2005

Built

Garage

Pool

About this home

Ironwood

Come find this hidden jewel! Move In Ready townhome in the heart of Jacksonville's Southside with the safety of a gated community. This unit has upscale finishes and neutral colors ready for a new owner. The open floor plan unites the ground floor with a breakfast bar and nook open to the family room. The bedrooms are all upstairs with the primary suite featuring a garden bath and separate shower, and a large walk in closet. Lawn care is included. Low maintenance living and slower way of life. Roof 2022, Hot water heater 2022.

Cost to own

Mortgage calculator

Home Price

$345,000

Down Payment: 20%

$69,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,759

Principal & Interest: $1,759

Property taxes (est.): $563

Insurance (est.): $230

Estimated Total Monthly

$2,552

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,759

Property taxesest. at asking price, Duval County$563

HOAbilled monthly$299

Estimated total, before insurance$2,621/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,637/yr · $470/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	$298,315	$298,315	▲ $14,007
2024	$285,705	$285,705	—
2023	$296,736	$261,998	—
2022	$253,118	$238,180	—
2021	$216,528	$216,528	—
2020	$210,724	$210,724	—

2025 property taxes (current owner): $5,637/yr

Estimated taxes if purchased at asking price: ~$6,800/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: Shingle — 2022 per the listing

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

Sewer (public record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,643 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

Price & status history

Jul 24, 2026Price change$345,000−$4,500
Jul 9, 2026Price change$349,500−$5,400
Jan 10, 2026Listed$354,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$345,000

Price / Sq Ft$201

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,715

Acres0.06 acres

Year Built2005

TypeResidential

Sub-TypeTownhouse

StyleContemporary

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address3897 Lionheart Drive, Jacksonville, FL 32216

Area022-Grove Park/Sans Souci

SubdivisionIronwood

CityJacksonville

CountyDuval

StateFL

Zip Code32216

Lot Size2,613.6 sq ft

Parcel Number1543753635

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Maintenance Grounds, Management - Part Time, Management- On Site

UtilitiesCable Available, Electricity Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, Guest

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Laminate

FireplaceYes

# of Fireplaces1

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySecurity Gate