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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 gated community home in Jacksonville.

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Sold

Sold·Closed Jun 12, 2026·97 days on market·Recent sales in Jacksonville

3690 Kirkpatrick Circle 7-12

Jacksonville, FL 32210

$110,000sold priceListed at $114,900 · 95.7% of asking$98/sqftMLS# 2128985
2
Beds
2
Baths
1,118
Sq Ft
2007
Built
—
Garage
No
Pool
HOA $450/moCondominium1 story

About this home

Jacksonville

SELLER FINANCING AVAILABLE. Bright second-floor condo with vaulted ceilings. TURNKEY 2BR/2BA CONDO | NEW HVAC | IN-UNIT WASHER/DRYER | One of the largest 2 bedroom floor plans in the community. (1118 sqft)TURN KEY Move-in ready and priced to move, this beautifully updated 2-bedroom, 2-bath condo offers true turnkey ownership with major system upgrades already completed. Featuring a brand-new HVAC system installed December 2025 and in-unit stackable washer & dryer, this home eliminates the most common near-term expenses and surprises for buyers. The light-filled open layout showcases vaulted ceilings, new luxury vinyl plank flooring, updated countertops, and a clean, functional design with no deferred maintenance. Enjoy a private rear patio backing to wooded green space with no rear neighbors -- a rare bonus at this price point that adds privacy and appeal. Major upgrades for peace of mind:

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$609
Property taxesest. at asking price, Duval County$180
HOAbilled monthly$450
Estimated total, before insurance$1,239/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,990/yr · $166/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

$110,000
$22,000
Loan Term
Monthly Payment
$609
Principal & Interest: $609
Property taxes (est.): $180
Insurance (est.): $73
Estimated Total Monthly
$862
*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 2007)

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

Solar potential: ~1,661 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

Last sold: $120,000 in February 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$111,000$111,000▼ $11,500
2024$122,500$122,500—
2023$122,500$122,500—
2022$96,000$67,317—
2021$67,000$61,198—
2020$63,000$55,635▼ $2,000

2025 property taxes (current owner): $1,990/yr

Estimated taxes if purchased at asking price: ~$2,200/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 $106/sq ft; this home is listed at $103/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3711 Kirkpatrick Circle 16-15, Jacksonville, FL 32210Listed by JASON MITCHELL REAL ESTATE FLORIDA, LLC.Jul 2026$115,000$993/21,1571180.1
3620 Kirkpatrick Circle 3, Jacksonville, FL 32210Listed by JWB REALTY LLCSep 2026$100,000$1062/29401620.2
3620 Kirkpatrick Circle 1, Jacksonville, FL 32210Listed by MAXREV, LLCAug 2026$113,000$983/21,157430.2
4333 Melissa Court W, Jacksonville, FL 32210Listed by PLENTI REALTY LLCJul 2026$78,571$672/21,17040.6
7653 Jana Lane S, Jacksonville, FL 32210Listed by EXP REALTY LLCSep 2026$132,600$1292/21,031470.7
6865 Misty View Drive, Jacksonville, FL 32210Listed by VENTURE DEVELOPMENT REALTYSep 2026$160,000$1142/2.51,40500.7

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$114,900
Price / Sq Ft$103
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,118
Year Built2007
TypeResidential
Sub-TypeCondominium
StyleRanch
Property ConditionUpdated/Remodeled
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address3690 Kirkpatrick Circle 7-12, Jacksonville, FL 32210
Area063-Jacksonville Heights/Oak Hill/English Estates
SubdivisionWillow Ridge
CityJacksonville
CountyDuval
StateFL
Zip Code32210
Parcel Number0125100218

Amenities

AmenitiesPool, Gated, Maintenance Grounds, Security, Trash, Water
Community FeaturesStreet Lights, Gated
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Gated, Guest, On Street, Unassigned

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Open Floorplan, Pantry, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringLaminate, Tile, Vinyl
# of Stories1
LevelsOne
SecuritySecurity Gate, Security Lights

Exterior

Exterior FeaturesBalcony
Patio / PorchCovered, Front Porch, Rear Porch
RoofShingle
ConstructionStucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedFebruary 6, 2026
Days on Market97
HOA Fees$450 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesMaintenance Grounds, Security, Trash, Water
Tax Amount$1,989.86
Tax Year2025
Listing TermsCash, Conventional, Owner May Carry
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MCGUIRE REALTY GROUP

Sold by: DREAM BIG REALTY OF JAX LLC (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 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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