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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 Secret Cove, Jacksonville — a pool home in Jacksonville.

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Sold

Sold·Closed Jun 12, 2026·91 days on market·Recent sales in Secret Cove·Secret Cove

3507 Hidden Lake Drive W

Jacksonville, FL 32216

$730,000sold priceListed at $779,000 · 93.7% of asking$263/sqftMLS# 2127962
4
Beds
2.5
Baths
2,778
Sq Ft
1980
Built
2
Garage
Yes
Pool

3 more homes for sale in Secret Cove →Search Secret Cove on the map

HOA $450/mo15,246 sqft lotWaterfrontSingle Family Residence2 stories

About this home

Secret Cove

If ''location, location, location'' defines real estate, this LAKEFRONT HOME is a prime example! Situated on Hidden Lake in the heart of Jacksonville, this fully updated lakefront pool home offers a rare combination of central location, extensive system upgrades, and true resort-style outdoor living. Expansive water views are immediately visible upon arrival and remain the defining feature throughout the property, while thoughtful renovations and high-quality finishes create a move-in-ready residence designed for both everyday comfort and entertaining. A beautifully paved driveway provides ample parking and leads to a rear-entry two-car garage featuring epoxy flooring. The brick exterior is complemented by professional landscaping with architectural lighting, a full irrigation system, and a custom front door by Dream Doors. Major exterior improvements include Renewal by Andersen windows and doors installed in 2018 and a 2018 architectural shingle roof. The first floor offers a

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$4,043
Property taxesest. at asking price, Duval County$1,192
HOAbilled voluntary$450
Estimated total, before insurance$5,685/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,922/yr · $410/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

$730,000
$146,000
Loan Term
Monthly Payment
$4,043
Principal & Interest: $4,043
Property taxes (est.): $1,192
Insurance (est.): $487
Estimated Total Monthly
$5,722
*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 1980)

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

Solar potential: ~1,649 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

YearMarket valueTaxable valueChange
2025$479,765$246,579▲ $12,084
2024$468,754$238,923▼ $915
2023$470,445$230,508—
2022$455,723$222,338—
2021$359,139$214,406▲ $19,665
2020$331,534$210,756▲ $9,463

2025 property taxes (current owner): $4,922/yr

Estimated taxes if purchased at asking price: ~$14,300/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 $218/sq ft; this home is listed at $280/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3331 Hidden Lake Drive W, Jacksonville, FL 32216Listed by COLDWELL BANKER VANGUARD REALTYOct 2026$655,000$2194/22,99000.1
3548 Boatwright Way W, Jacksonville, FL 32216Listed by HERRON REAL ESTATE LLCSep 2026$555,000$2185/2.52,541230.2
8429 Highgate Drive, Jacksonville, FL 32216Listed by EXIT INSPIRED REAL ESTATESep 2026$435,000$1954/22,229140.3
3245 Clipper Place, Jacksonville, FL 32216Listed by MOMENTUM REALTYAug 2026$470,000$2363/21,990730.3
8333 Highgate Drive, Jacksonville, FL 32216Listed by EVERYSTATE INCJun 2026$383,500$1524/2.52,5232910.3
3158 Old Port Circle W, Jacksonville, FL 32216Listed by RE/MAX SPECIALISTS PVSep 2026$470,000$2064/22,286410.4

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$779,000
Price / Sq Ft$280
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,778
Acres0.35 acres
Year Built1980
TypeResidential
Sub-TypeSingle Family Residence
StyleCraftsman
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Fenced, Heated
Is WaterfrontYes

Community Information

Address3507 Hidden Lake Drive W, Jacksonville, FL 32216
Area022-Grove Park/Sans Souci
SubdivisionSecret Cove
CityJacksonville
CountyDuval
StateFL
Zip Code32216
Lot Size15,246 sq ft
Parcel Number1543790348
ZoningResidential

Amenities

AmenitiesPool, Barbecue, Pickleball, Playground, Tennis Court(s)
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingOther, Garage, Garage Door Opener
ViewLake, Pool, Water
Waterfront TypeLake Front

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Dryer, Gas Cooktop, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories2
LevelsTwo
LaundryIn Unit, Lower Level
Spa FeaturesIn Ground

Exterior

Exterior FeaturesBalcony
Patio / PorchCovered, Rear Porch
FencingFenced, Back Yard
RoofShingle
ConstructionBrick, Brick Veneer
Road FrontageCity Street

Additional Information

Date ListedFebruary 16, 2026
Days on Market91
HOA Fees$450 / Voluntary
HOA FrequencyVoluntary
HOA NameSecret Cove Civic Association
Tax Amount$4,921.76
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS PV

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.

The neighborhood

About Secret Cove

Secret Cove is a neighborhood in Jacksonville, FL (Duval County), ZIP 32216.

View all Secret Cove homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 12, 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

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