This home is in Jacksonville.
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Sold·Closed Apr 14, 2026·8 days on market·Recent sales in Jacksonville
4040 Windy Gale Drive S
Jacksonville, FL 32218
About this home
Jacksonville
Welcome to 4040 Windy Gale Dr. S., a pristine, move-in-ready gem in a quiet North Jacksonville neighborhood. This well-maintained home features a bright, open floor plan where spacious living and dining areas flow seamlessly into a functional kitchen with ample cabinet and counter space. The layout is designed for comfort, offering generously sized bedrooms and a private primary suite with a dedicated en-suite bathroom. Step outside to an expansive backyard--a true blank canvas perfect for pets, weekend entertaining, or creating your dream outdoor retreat. The location is unbeatable for convenience, situated near Jacksonville International Airport, River City Marketplace, and major interstates (I-95 and I-295) for a quick commute to top employers and dining. Whether you are looking for your first home or a solid addition to your portfolio, this property offers the perfect blend of space and accessibility. Experience the best of North Jacksonville living today!
Next steps in Jacksonville
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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: Other — year not disclosed (home built 1973)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,714 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 homeThis 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
2025 property taxes (current owner): $2,883/yr
Estimated taxes if purchased at asking price: ~$7,300/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, NEFMLS.
History
Price & status history
- Mar 9, 2026Listed$340,000
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 $150/sq ft; this home is listed at $120/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3787 Juliet Leia Circle W, Jacksonville, FL 32218Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Oct 2026 | $339,000 | $167 | 4/2 | 2,030 | 122 | 0.8 |
| 3697 Mindy Ashley Lane, Jacksonville, FL 32218Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $340,000 | $151 | 4/3 | 2,256 | 28 | 1 |
| 11017 Apple Blossom Trail W, Jacksonville, FL 32218Listed by EXP REALTY LLC | Aug 2026 | $315,000 | $149 | 4/2 | 2,110 | 75 | 1 |
| 4818 Morning Rise Circle, Jacksonville, FL 32218Listed by HOUWZER, INC. | Aug 2026 | $339,900 | $136 | 4/3 | 2,498 | 39 | 1.3 |
| 3736 Rose Street, Jacksonville, FL 32208Listed by REALHOME SERVICES AND SOLUTIONS INC | Aug 2026 | $80,000 | $40 | 3/2 | 2,024 | 47 | 1.4 |
| 5556 Kellar Circle, Jacksonville, FL 32218Listed by NAVY TO NAVY HOMES LLC | Aug 2026 | $300,000 | $150 | 4/3 | 2,006 | 142 | 1.4 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: REAL BROKER 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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Apr 14, 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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
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