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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 Jul 2, 2026·87 days on market·Recent sales in Jacksonville

3781 Victoria Lakes Drive E

Jacksonville, FL 32226

$435,000sold priceListed at $440,000 · 98.9% of asking$170/sqftMLS# 2132685
4
Beds
3
Baths
2,554
Sq Ft
2006
Built
2
Garage
No
Pool
HOA $38/mo12,632 sqft lotSingle Family Residence1 story

About this home

Jacksonville

NEW ROOF!! This beautifully upgraded 4-bedroom, 3-bath home with a dedicated office offers over 2,550 square feet of living space in the desirable Victoria Lakes community. Situated on a large preserve lot with a fully fenced backyard, the property offers privacy, lush landscaping, and room for a future pool. Inside, you'll find 12' ceilings, an open floor plan filled with natural light, plantation shutters, cherry-stained hardwood floors, crown molding in the primary suite, and recessed LED lighting. The kitchen features 42'' white cabinets, granite countertops with matching backsplash, stainless steel appliances, and a large breakfast bar. The spacious living area includes both a wood-burning and electric fireplace, perfect for year-round comfort. Step outside to enjoy a screened, tiled patio, an open grilling area, and a backyard full of thriving fruit trees--orange, lemon, tangerine, avocado, and more

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$2,409
Property taxesest. at asking price, Duval County$710
HOAbilled annually$38
Estimated total, before insurance$3,158/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,391/yr · $283/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

$435,000
$87,000
Loan Term
Monthly Payment
$2,409
Principal & Interest: $2,409
Property taxes (est.): $710
Insurance (est.): $290
Estimated Total Monthly
$3,410
*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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$350,000$160,120▲ $5,000
2024$346,011$154,900—
2023$347,329$148,933—
2022$301,129$143,139▼ $18,433
2021$241,007$137,514—
2020$229,592$134,926▲ $10,482

2025 property taxes (current owner): $3,391/yr

Estimated taxes if purchased at asking price: ~$8,500/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 $173/sq ft; this home is listed at $172/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
13530 Teddington Lane, Jacksonville, FL 32226Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$362,500$1813/22,001160.2
13442 Teddington Lane, Jacksonville, FL 32226Listed by JPAR CITY AND BEACHAug 2026$365,712$1504/32,4351130.2
4174 Victoria Lakes Drive W, Jacksonville, FL 32226Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$476,000$1725/32,76630.4
3806 Hammock Bluff Drive, Jacksonville, FL 32226Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$444,000$1734/32,56630.5
13901 Nations Eagle Lane, Jacksonville, FL 32226Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTAug 2026$470,000$1735/42,722170.6
3346 Ivybridge Court, Jacksonville, FL 32226Listed by 1 PERCENT LISTS FIRST COASTAug 2026$320,000$1594/22,0161230.6

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$440,000
Price / Sq Ft$172
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,554
Acres0.29 acres
Year Built2006
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryNew Berlin
MiddleOceanway
HighFirst Coast

Community Information

Address3781 Victoria Lakes Drive E, Jacksonville, FL 32226
Area096-Ft George/Blount Island/Cedar Point
SubdivisionVictoria Lakes
CityJacksonville
CountyDuval
StateFL
Zip Code32226
Lot Size12,632.4 sq ft
Parcel Number1063754835
ZoningSingle Family

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDishwasher, Double Oven, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile
FireplaceYes
# of Fireplaces1
# of Stories1
LaundryIn Unit

Exterior

Patio / PorchCovered, Front Porch, Patio, Screened
FencingFenced, Back Yard
ConstructionStucco

Additional Information

Date ListedMarch 2, 2026
Days on Market87
HOA Fees$455 / Annually
HOA FrequencyAnnually
Tax Amount$3,390.87
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MOMENTUM 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 Jul 2, 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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