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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.

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Sold

Sold·Closed Apr 30, 2026·51 days on market·Recent sales in Jacksonville

3950 Arbor Bluff Lane E

Jacksonville, FL 32225

$368,500sold priceListed at $368,000 · 100.1% of asking$235/sqftMLS# 2129982
3
Beds
2
Baths
1,568
Sq Ft
1987
Built
2
Garage
No
Pool
HOA $57/mo7,841 sqft lotSingle Family Residence1 story

About this home

Jacksonville

Here's your chance to own this TURNKEY & RENOVATED gem! This beautiful home features a light, bright, open floor plan w/ vaulted ceilings, skylights & LVP flooring throughout! The kitchen features quartz countertops, subway tile backsplash, farmhouse sink, stainless steel appliances, cooktop, w/ wall oven & microwave & the custom accent walls in multiple rooms add character! The modern owner's bath features subway tile & a seamless glass shower enclosure. Additional features include a modern secondary bath, a bedroom with a murphy bed that could double as an office & a screened patio w/ a fully fenced yard to enjoy the outdoors! The Valley community amenities include 2 swimming pools, pickleball, tennis, playground & clubhouse. Ed Austin Park for recreation is within walking distance & for golf lovers Hidden Hills is across the street! Conveniently located with an easy sub-20 minute commute to Naval Station Mayport, plus quick access to the beaches, downtown, shops & restaurants!

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$2,041
Property taxesest. at asking price, Duval County$602
HOAbilled quarterly$57
Estimated total, before insurance$2,700/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$368,500
$73,700
Loan Term
Monthly Payment
$2,041
Principal & Interest: $2,041
Property taxes (est.): $602
Insurance (est.): $246
Estimated Total Monthly
$2,888
*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 1987)

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

Solar potential: ~1,463 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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.

History

Price & status history

  • Feb 13, 2026Listed$368,000

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 $234/sq ft; this home is listed at $235/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3953 Arbor Bluff Lane E, Jacksonville, FL 32225Listed by RIVER CITY RENTALS AND REALTYAug 2026$449,000$2544/21,768100
3408 Cozumel Court, Jacksonville, FL 32225Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$279,900$2233/21,25520.2
11987 Arbor Lake Drive, Jacksonville, FL 32225Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$388,900$2553/21,526250.3
3329 Cancun Drive E, Jacksonville, FL 32225Listed by WATSON REALTY CORPSep 2026$285,000$1923/21,48550.4
11636 Brush Ridge Circle N, Jacksonville, FL 32225Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYAug 2026$385,000$2343/21,643210.4
11201 Mikris Drive S, Jacksonville, FL 32225Listed by ROOT REALTY LLCOct 2026$255,000$2003/21,272300.7

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$368,000
Price / Sq Ft$235
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,568
Acres0.18 acres
Year Built1987
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address3950 Arbor Bluff Lane E, Jacksonville, FL 32225
Area042-Ft Caroline
SubdivisionThe Valley
CityJacksonville
CountyDuval
StateFL
Zip Code32225
Lot Size7,840.8 sq ft
Parcel Number1602802120
ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Pickleball, Playground, Tennis Court(s)
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Thermostat, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringVinyl
# of Stories1
LevelsOne
Window FeaturesSkylight(s)

Exterior

Patio / PorchCovered, Rear Porch, Screened
FencingFenced, Back Yard, Wood
RoofShingle

Additional Information

Date ListedFebruary 13, 2026
Days on Market51
HOA Fees$170 / Quarterly
HOA FrequencyQuarterly
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY

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 Apr 30, 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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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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