Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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

1 / 91

Active

Active·182 days on market

3958 Baymeadows Road 1602

Jacksonville, FL 32217

$1,294,900$396/sqftEst. $6,657/moMLS# 2132588

Beds

Baths

3,274

Sq Ft

2014

Built

Garage

Pool

About this home

Jacksonville

Mediterranean-Style Waterfront Penthouse at The Palazzo On St. Johns Condominiums | Luxury condominium living on the 6th floor, defines this spacious 3,274 sq. ft. custom penthouse overlooking Goodby's Creek with serene waterfront and preserve views, abundant natural light and privacy. One of only two penthouses within The Palazzo On St. Johns, this residence is the largest unit within the community. Fully built out in 2022 from an original shell, this 4-bedroom, 3-bath home with office or flex space, private balcony, and expansive terrace was meticulously completed with intentional design and architectural clarity. Every interior finish was carefully selected, resulting in a refined Transitional interior that blends modern sophistication with classic, timeless elements.

Cost to own

Mortgage calculator

Home Price

$1,294,900

Down Payment: 20%

$258,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$6,657

Principal & Interest: $6,657

Property taxes (est.): $2,114

Insurance (est.): $863

Estimated Total Monthly

$9,635

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$6,657

Property taxesest. at asking price, Duval County$2,114

HOAbilled monthly$2,589

Estimated total, before insurance$11,360/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$13,200/yr · $1,100/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

Last sold: $875,000 in April 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$780,000	$729,278	—
2024	$780,000	$730,000	—
2023	$780,000	$730,000	—
2022	$780,000	$780,000	▲ $30,000
2021	$750,000	$750,000	▲ $113,000
2020	$750,000	$750,000	—

2025 property taxes (current owner): $13,200/yr

Estimated taxes if purchased at asking price: ~$25,400/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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Tile — year not disclosed (home built 2014)

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

Solar potential: ~1,730 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

Mar 1, 2026Listed$1,294,900

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

Features

Price$1,294,900

Price / Sq Ft$396

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage3,274

Acres0.01 acres

Year Built2014

TypeResidential

Sub-TypeCondominium

StyleSpanish

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Direction FacesSouthwest

School Information

ElementaryBeauclerc

MiddleAlfred Dupont

Community Information

Address3958 Baymeadows Road 1602, Jacksonville, FL 32217

Area012-San Jose

SubdivisionThe Palazzo

CityJacksonville

CountyDuval

StateFL

Zip Code32217

Lot Size435.6 sq ft

Parcel Number1525571042

ZoningCondominium

Amenities

AmenitiesPool, Boat Dock, Fitness Center, Gated, Jogging Path, Storage

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Assigned, Covered, Garage, Gated

ViewCanal, Creek/Stream, River, Water

Waterfront TypeCanal Front, Navigable Water, Ocean Access, River Access

Interior

Interior FeaturesBreakfast Bar, Elevator, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Gas Oven, Gas Range, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral, Electric, Zoned

CoolingCentral Air, Electric, Multi Units, Separate Meters, Zoned

FlooringTile, Wood

FireplaceYes

# of Fireplaces2

Fireplace FeaturesGas

# of Stories6

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecurityEntry Phone/Intercom, Fire Alarm, Fire Sprinkler System, Firewall(s), Secured Elevator, Security Fence, Security Gate, Security Lights, Smoke Detector(s)