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Active·155 days on market

3295 Tinya Court

Jacksonville, FL 32226

$340,000$278/sqftEst. $1,815/moMLS# 2138202

↓ $10,000 below original list

Beds

Baths

1,221

Sq Ft

1996

Built

Garage

Pool

FEMA Zone XHOA $8/mo6,098 sqft lotSingle Family Residence1 story

About this home

Jacksonville

Completely renovated home in Sheffield Oaks, this stunning 3-bedroom, 2-bath home offers peace of mind with a new roof 2025, new HVAC 2026, new plumbing 2026, 2026 electrical throughout, plus energy-efficient windows 2025. The custom kitchen features new quartz countertops, soft-close cabinets and drawers, modern finishes, 2026 appliances, Brand new washer and dryer. The spacious primary suite offers a spa-inspired rain shower and custom California Closets. Enjoy a private, fully fenced backyard with pavers and a pergola, plus a 2-car garage and low HOA. Conveniently located minutes from Mayport Naval Station, Blount Island Marine Terminal, Jacksonville International Airport, River City Marketplace, I-295, UF Health North, and Jacksonville's beautiful beaches.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$1,815

Property taxesest. at asking price, Duval County$555

HOAbilled annually$8

Estimated total, before insurance$2,379/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,273/yr · $356/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

Home Price

$340,000

Down Payment: 20%

$68,000

Interest Rate: 7.03%

Loan Term

Monthly Payment

$1,815

Principal & Interest: $1,815

Property taxes (est.): $555

Insurance (est.): $227

Estimated Total Monthly

$2,597

*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

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 D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — 2025 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: ~963 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$220,221	$220,221	—
2024	$227,002	$200,811	—
2023	$217,026	$182,556	—
2022	$198,482	$165,960	▲ $22,469
2021	$150,873	$150,873	—
2020	$137,426	$137,426	—

2025 property taxes (current owner): $4,273/yr

Estimated taxes if purchased at asking price: ~$6,700/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.

History

Price & status history

Aug 7, 2026Price change$340,000−$10,000
Apr 23, 2026Listed$350,000

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

Features

Price$340,000

Price / Sq Ft$278

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,221

Total Structure Area1,640 sq ft

Acres0.14 acres

Year Built1996

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryNew Berlin

MiddleOceanway

HighFirst Coast

Community Information

Address3295 Tinya Court, Jacksonville, FL 32226

Area096-Ft George/Blount Island/Cedar Point

SubdivisionSheffield Village

CityJacksonville

CountyDuval

StateFL

Zip Code32226

Lot Size6,098.4 sq ft

Parcel Number1065781570

ZoningPUD

Amenities

AmenitiesPark, Playground

UtilitiesElectricity Available, Electricity Connected, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

Green / EnergyWindows

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Electric Range, Electric Water Heater, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Refrigerator, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringLaminate

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Garage, Lower Level, Washer Hookup

SecuritySmoke Detector(s)

Exterior

FencingBack Yard, Full, Vinyl

RoofShingle

ConstructionComposition Siding

Additional Information

Date ListedApril 23, 2026

Days on Market130

HOA Fees$99.38 / Annually

HOA FrequencyAnnually

Tax Amount$4,272.99

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: HERRON REAL ESTATE 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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3295 Tinya Court

Jacksonville

True monthly cost

Mortgage calculator

Florida Reality Check

Taxes & assessment

Price & status history

Features

School Information

Community Information

Amenities

Interior

Exterior

Additional Information

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