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Active

Active·126 days on market·Jacksonville Golf & CC

3840 Michaels Landing Circle E

Jacksonville, FL 32224

$725,000$298/sqftEst. $3,859/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.Located just minutes from Jacksonville's beaches, dining, and shopping

Cost to own

Mortgage calculator

Home Price

$725,000

Down Payment: 20%

$145,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,662

Principal & Interest: $3,662

Est. Taxes & Insurance: $916

Estimated Total Monthly

$4,578

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$3,859

Property taxesest. at asking price, Duval County$1,184

HOAbilled quarterly$264

Estimated total, before insurance$5,307/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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	$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: ~$14,200/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.

Outside all hurricane evacuation zones

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

Roof: Shingle — year not disclosed (home built 1997)

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: ~1,766 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Mar 11, 2026Listed$725,000

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

Features

Price$725,000

Price / Sq Ft$298

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)