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This home is in Jacksonville.

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Active

Active·149 days on market

3865 Sandy Shores Drive

Jacksonville, FL 32277

$775,000$226/sqftEst. $3,997/moMLS# 2134343

Beds

Baths

3,425

Sq Ft

1986

Built

Garage

Pool

About this home

Jacksonville

Completely remodeled from top to bottom, this one-of-a-kind lighthouse home offers 3,425 sq ft of luxury living with views of the St. Johns River. Featuring 5 bedrooms and 3 full bathrooms, the home blends distinctive architecture with modern finishes. The dramatic sunken two-story living room is filled with natural light and polished concrete floors run throughout the main living area. A large kitchen w/ island, plus dining space, is perfect for entertaining. 2 Bedrooms, 1 full bathroom and laundry room, complete the main floor. Upstairs, the luxurious primary suite features it's own balcony for relaxing and watching sunsets. The lighthouse tower has its own spiral staircase leading to the top, where you can unwind and take in panoramic views of the St. Johns River. 2 additional bedrooms and full bathroom upstairs for family or guests. Cul-de-sac, large paver driveway, oversized garage and fully fenced backyard. Close to Jacksonville University, downtown Jax, St Johns River and more.

Cost to own

Mortgage calculator

Home Price

$775,000

Down Payment: 20%

$155,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,997

Principal & Interest: $3,997

Property taxes (est.): $1,265

Insurance (est.): $517

Estimated Total Monthly

$5,779

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$3,997

Property taxesest. at asking price, Duval County$1,265

HOAbilled annually$4

Estimated total, before insurance$5,266/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$194,628	$194,628	—
2024	$408,438	$408,438	▲ $13,037
2023	$410,614	$402,800	—
2022	$366,182	$366,182	▲ $19,195
2021	$289,277	$116,994	—
2020	$264,896	$138,992	▲ $9,120

Estimated taxes if purchased at asking price: ~$15,200/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: Shingle — year not disclosed (home built 1986)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,603 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

Jul 18, 2026Price change$775,000−$24,000
Mar 11, 2026Listed$799,000

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

Features

Price$775,000

Price / Sq Ft$226

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage3,425

Year Built1986

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesWest

Community Information

Address3865 Sandy Shores Drive, Jacksonville, FL 32277

Area041-Arlington

SubdivisionUniversity Park

CityJacksonville

CountyDuval

StateFL

Zip Code32277

Parcel Number1123430030

Amenities

AmenitiesBoat Launch, Park, Playground

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewRiver

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Entrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Concrete

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup