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

This home is in Jacksonville — a waterfront home in Jacksonville.

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Sold

Sold·Closed Feb 27, 2026·16 days on market·Recent sales in Jacksonville

594 Lady Lake Road W

Jacksonville, FL 32218

$355,000sold priceListed at $364,500 · 97.4% of asking$174/sqftMLS# 2124858
3
Beds
2
Baths
2,038
Sq Ft
2002
Built
2
Garage
No
Pool
HOA $47/mo0.47 acresWaterfrontSingle Family Residence1 story

About this home

Jacksonville

4-bedroom home with a flex space in North Creek. Fresh interior paint throughout. Primary bedroom overlooks a pond. Second bathroom has a brand new bathtub. Kitchen features granite countertops, modern appliances, and a water softener. Home includes energy-efficient windows (2020) and a whole-home generator. Screened-in lanai. Located 10 minutes from JAX Airport, about 2 miles from River City Marketplace, with easy access to I-95, I-295, and nearby hospitals.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$1,966
Property taxesest. at asking price, Duval County$580
HOAbilled quarterly$47
Estimated total, before insurance$2,593/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,634/yr · $219/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$355,000
$71,000
Loan Term
Monthly Payment
$1,966
Principal & Interest: $1,966
Property taxes (est.): $580
Insurance (est.): $237
Estimated Total Monthly
$2,783
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 2002)

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

Solar potential: ~1,684 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

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,634/yr

Estimated taxes if purchased at asking price: ~$7,000/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.

History

Price & status history

  • Jan 13, 2026Listed$364,500

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

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 $174/sq ft; this home is listed at $179/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
14122 Summer Breeze Drive E, Jacksonville, FL 32218Listed by ALKO REALTY LLCSep 2026$390,000$1845/22,119790.5
12750 Dunns View Drive, Jacksonville, FL 32218Listed by EXP REALTY LLCOct 2026$400,000$1734/22,31190.9
12736 Chandler View Court, Jacksonville, FL 32218Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDESep 2026$394,900$1744/22,266441
12548 Daylight Trail, Jacksonville, FL 32218Listed by FLORIDA HOMES REALTY & MTG LLCOct 2026$369,900$1603/22,310621.5
710 Renfro Road, Jacksonville, FL 32218Listed by MOMENTUM REALTYSep 2026$315,000$2163/21,45631.6
190 Brazil Nut Circle, Jacksonville, FL 32218Listed by CENTURY COMMUNITIES OF FLORIDASep 2026$239,990$1683/2.51,4291011.7

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$364,500
Price / Sq Ft$179
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,038
Acres0.47 acres
Year Built2002
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

ElementaryLouis Sheffield
MiddleOceanway
HighFirst Coast

Community Information

Address594 Lady Lake Road W, Jacksonville, FL 32218
Area092-Oceanway/Pecan Park
SubdivisionNorth Creek
CityJacksonville
CountyDuval
StateFL
Zip Code32218
Lot Size20,473.2 sq ft
Parcel Number1066065485

Amenities

AmenitiesPool
UtilitiesWater Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Nook, Open Floorplan, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Microwave, Refrigerator, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringCarpet, Vinyl
FireplaceYes
# of Fireplaces1
Fireplace FeaturesElectric
# of Stories1
LevelsOne
LaundryIn Garage
Spa FeaturesCommunity

Exterior

RoofShingle

Additional Information

Date ListedJanuary 13, 2026
Days on Market16
HOA Fees$142 / Quarterly
HOA FrequencyQuarterly
Tax Amount$2,633.68
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REAL BROKER 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Feb 27, 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

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