This home is in Jacksonville.
Active·96 days on market
3651 Lumberjack Circle N
Jacksonville, FL 32223
About this home
Jacksonville
Price Correction. This move-in ready home features a functional and highly desirable split-bedroom floor plan with modern updates throughout. The spacious primary suite offers two closets, providing comfort and ample storage. The updated white kitchen flows seamlessly into the main living areas, creating an inviting space that's perfect for both everyday living and entertaining. A cozy wood-burning fireplace serves as a focal point in the living room, adding warmth and character. Just off the kitchen, a bright eat-in breakfast nook lined with windows fills the home with natural light. Enjoy the convenience of a central Mandarin location with easy access to shopping, dining, and major roadways, all within a well-established community with no HOA fees. Sliding glass doors and a French door open to the patio and an oversized, fully fenced backyard--ideal for relaxing, entertaining, or even starting your own garden. Don't miss this beautifully updated home in a great location
Cost to own
Mortgage calculator
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, 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
Last sold: $365,000 in June 2024(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $300,208 | $249,486 | — |
| 2024 | $253,742 | $253,742 | ▲ $10,876 |
| 2023 | $266,096 | $70,563 | ▲ $40,000 |
| 2022 | $218,308 | $67,052 | ▲ $5,864 |
| 2021 | $178,973 | $63,643 | ▲ $16,742 |
| 2020 | $157,898 | $62,074 | ▲ $7,556 |
2025 property taxes (current owner): $4,955/yr
Estimated taxes if purchased at asking price: ~$7,100/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 1988)
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: ~1,704 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 homeInformational 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
- Apr 10, 2026Listed$359,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: RE/MAX UNLIMITED
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Contact KristaText Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
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