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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 home near Sandalwood High School.

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Sold

Sold·Closed Jun 8, 2026·62 days on market·Recent sales in Jacksonville

11890 Arbor Lake Drive

Jacksonville, FL 32225

$305,000sold priceListed at $324,500 · 94% of asking$233/sqftMLS# 2133450
3
Beds
2
Baths
1,311
Sq Ft
1997
Built
2
Garage
No
Pool
HOA $57/mo10,019 sqft lotSingle Family Residence1 story

About this home

Jacksonville

Welcome to The Valley @ Hidden Hills! Sweet 3/2 on nearly a quarter acre preserve lot across from Lake Narcissus in this established, tree lined neighborhood. Simple, open living and dining spaces featuring a cozy fireplace & window seat. The kitchen has room for a dinette or island. Enjoy the spacious primary with walk-in closet and ensuite Jacuzzi bath. There are two guest bedrooms, hall guest bath, & linen closet. Gas service is available from the street. Front & back sprinklers, back yard is fenced but property to the side of the house is included to the streetlight, making an unusually large lot for this neighborhood.Two car garage. Amenities include a clubhouse, tennis & pickleball courts, two community pools, & playground, all within walking distance to Ed Austin Park, Hidden Hills Country Club, shopping, restaurants, grocery stores, and more! Hardie Siding '22. Roof '17. A/C, Water Heater, Water Softener, & W/D '23.

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$1,689
Property taxesest. at asking price, Duval County$498
HOAbilled quarterly$57
Estimated total, before insurance$2,244/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,664/yr · $139/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

$305,000
$61,000
Loan Term
Monthly Payment
$1,689
Principal & Interest: $1,689
Property taxes (est.): $498
Insurance (est.): $203
Estimated Total Monthly
$2,391
*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 1997)

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

Solar potential: ~1,679 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.

Sun & Light

South-facing backyard — the year-round light lot

The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:25 AM, sunset 7:00 PM.

  • The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
  • A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
  • Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$276,642$63,964—
2024$251,294$61,454▲ $11,132
2023$248,092$58,208—
2022$209,186$53,630—
2021$165,010$50,612—
2020$161,149$49,223▲ $9,543

2025 property taxes (current owner): $1,664/yr

Estimated taxes if purchased at asking price: ~$6,000/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 $240/sq ft; this home is listed at $248/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
11937 Arbor Lake Drive, Jacksonville, FL 32225Listed by THE LEGENDS OF REAL ESTATEJul 2026$375,000$2803/21,339380.1
11987 Arbor Lake Drive, Jacksonville, FL 32225Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$388,900$2553/21,526250.2
11636 Brush Ridge Circle N, Jacksonville, FL 32225Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYAug 2026$385,000$2343/21,643210.2
12016 Meadowview Drive S, Jacksonville, FL 32225Listed by FLORIDA HOMES REALTY & MTG LLCJul 2026$274,000$1903/21,43960.2
11185 Ridgetop Lane, Jacksonville, FL 32225Listed by MOMENTUM REALTYSep 2026$240,000$1733/21,390430.4
3939 Arbor Bluff Lane E, Jacksonville, FL 32225Listed by UNITED REAL ESTATE GALLERYAug 2026$320,000$2402/21,33360.4

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$324,500
Price / Sq Ft$248
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,311
Acres0.23 acres
Year Built1997
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesNorth

School Information

ElementaryMerrill Road
MiddleLandmark

Community Information

Address11890 Arbor Lake Drive, Jacksonville, FL 32225
Area042-Ft Caroline
SubdivisionThe Valley
CityJacksonville
CountyDuval
StateFL
Zip Code32225
Lot Size10,018.8 sq ft
Parcel Number1606721002
ZoningPUD

Amenities

AmenitiesPool, Clubhouse, Management - Off Site, Pickleball, Playground, Tennis Court(s)
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewLake, Protected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Walk-In Closet(s)
AppliancesDryer, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Laminate
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Garage, Washer Hookup

Exterior

Lot DescriptionGreenbelt, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Rear Porch, Screened
FencingBack Yard, Wood
RoofShingle
ConstructionFiber Cement, Stucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedMarch 6, 2026
Days on Market62
HOA Fees$170 / Quarterly
HOA FrequencyQuarterly
HOA NameThe Valley @ Hidden Hills HOA, Inc.
HOA Fee IncludesMaintenance Grounds
Tax Amount$1,663.96
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: PROPERTY SAGE REALTY LLC

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

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