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 Golf & CC, Jacksonville — a waterfront home in Jacksonville.

1 / 63

Active

Active·171 days on market·Jacksonville Golf & CC

3840 Michaels Landing Circle E

Jacksonville, FL 32224

$699,000$288/sqftEst. $3,594/moMLS# 2134452

Beds

Baths

2,430

Sq Ft

1997

Built

Garage

Pool

About this home

Jacksonville Golf & CC

Tucked along a tranquil lagoon inside the prestigious Jacksonville Golf & Country Club, this elegant waterfront residence offers a refined blend of comfort, space, and scenic beauty. This 4 bedroom, 3 bath home is thoughtfully designed for both everyday living and entertaining. The eat-in kitchen, complete with 42-inch cabinetry, a breakfast bar, and pantry, opens seamlessly into the inviting family room with wood-burning fireplace, creating a warm and comfortable gathering space. A formal dining room adds an elegant setting for hosting dinners and celebrations. The primary suite offers a private retreat with dual closets and a spacious en-suite bath featuring a soaking tub. Step outside to the screened lanai, where indoor and outdoor living blend effortlessly. Overlooking the water, this serene space is ideal for morning coffee, evening gatherings, or simply enjoying the quiet beauty of the surroundings. Just minutes from the beaches, dining, and shopping, A new roof in 2026 as well!

Cost to own

Mortgage calculator

Home Price

$699,000

Down Payment: 20%

$139,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,594

Principal & Interest: $3,594

Property taxes (est.): $1,141

Insurance (est.): $466

Estimated Total Monthly

$5,201

*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$3,594

Property taxesest. at asking price, Duval County$1,141

HOAbilled quarterly$264

Estimated total, before insurance$4,999/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,239/yr · $770/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

Year	Market value	Taxable value	Change
2025	$676,899	$490,947	▲ $70,855
2024	$606,380	$476,404	▲ $51,615
2023	$573,515	$461,072	▲ $58,208
2022	$496,187	$446,187	—
2021	$420,262	$420,262	—
2020	$401,677	$401,677	▲ $7,340

2025 property taxes (current owner): $9,239/yr

Estimated taxes if purchased at asking price: ~$13,700/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — 2026 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,766 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

Aug 14, 2026Price change$699,000−$26,000
Mar 11, 2026Listed$725,000

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

Features

Price$699,000

Price / Sq Ft$288

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,430

Acres0.30 acres

Year Built1997

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryChets Creek

MiddleKernan

Community Information

Address3840 Michaels Landing Circle E, Jacksonville, FL 32224

Area026-Intracoastal West-South Of Beach Blvd

SubdivisionJax Golf & Cc

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Lot Size13,068 sq ft

Parcel Number1674566325

ZoningResidential

Amenities

AmenitiesPool, Other, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Golf Course, Playground, Tennis Court(s), Trash

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond, Water

Waterfront TypeLagoon, Pond

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LevelsTwo

SecuritySmoke Detector(s)