This home is in Jacksonville — a waterfront home in Jacksonville.
$3,900,0004 bd · 5 ba · 6,387 sq ft
Active·199 days on market
2957 Forest Circle
Jacksonville, FL 32257
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Custom-built in 1983 for a well-known local builder, this magnificent all-brick riverfront estate blends timeless design with exceptional craftsmanship. A grand presentation staircase welcomes you into this two-story traditional home, where a balcony overlooks the manicured front lawn. The open first floor offers formal living and dining rooms, a private office, and a spacious family room with soaring ceilings and a dramatic wall of windows showcasing the pool and St. Johns River. Situated on a pristine 1 acre lot with 100' of river frontage, enjoy a concrete bulkhead, dock, and rare grandfathered enclosed boathouse. The second-floor primary suite features a fireplace, stunning river views, spa-like bath, and oversized closet. With 4 bedrooms, bonus room with wet bar and bath, 3 staircases, and a sun porch off the kitchen + 3 car garage, this lovingly maintained home is a rare find on desirable and beautiful Forest Circle.
Next steps in Mandarin
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, 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
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
This 1.1-acre lot is almost entirely outside FEMA's high-risk flood zones
A small edge of it touches Zone AE (2%); the rest is Zone X (minimal) 98%. Lenders go by where the house stands, so a home away from that edge is typically not required to carry flood insurance (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
This lot spans hurricane evacuation zones: mostly zone C (68%)
The rest is zone A (32%). Evacuation orders go by zone; check the house's own address at floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 1983)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
16th Ave Sabout 16 mi · 28 parking spaces
Closest park or preserve
Tillie K. Fowler Regional Parkabout 4 mi · 4 mi of trails
Closest public boat ramp
Goodby's Creek Boat Rampabout 2 mi · St. Johns River - Goodby's Creek
Closest kayak & paddleboard launch
County Dock Hand Launch Areaabout 2 mi · St. Johns River
Closest youth league fields
Williams Family YMCAabout 1 mi · Basketball, Football, Soccer, Volleyball
Closest grocery store
Targetabout 1 mi · 10490 San Jose Blvd, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
Southeast-facing backyard — winter sunrises, bright mornings
The listing reports the home facing northwest, which puts the backyard and pool on the southeast side. Today at this address: sunrise 6:41 AM, sunset 5:39 PM.
- A pool here gets good sun without the hottest afternoon exposure.
- The rear takes strong morning-to-midday sun and eases off by late afternoon; in winter the sun rises almost straight into this exposure.
- A comfortable compromise lot: real sun without the western afternoon heat.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $1,875,293 | $1,063,187 | ▲ $120,490 |
| 2024 | $1,759,365 | $1,032,517 | ▲ $12,450 |
| 2023 | $1,789,037 | $1,000,988 | — |
| 2022 | $1,541,887 | $970,377 | ▲ $140,449 |
| 2021 | $1,235,935 | $940,658 | — |
| 2020 | $1,200,084 | $926,981 | — |
2025 property taxes (current owner): $19,439/yr
Estimated taxes if purchased at asking price: ~$76,400/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
- Sep 8, 2026Price change$3,900,000−$600,000
- Apr 17, 2026Listed$4,500,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $337/sq ft; this home is listed at $611/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3076 Isser Lane, Jacksonville, FL 32257Listed by THE LEGENDS OF REAL ESTATE | Oct 2026 | $2,525,000 | $455 | 5/5.5 | 5,551 | 13 | 0.1 |
| 9505 Kuhn Road, Jacksonville, FL 32257Listed by 904 REALTY LLC | May 2026 | $1,500,000 | $308 | 5/4.5 | 4,870 | 3 | 0.3 |
| 2811 Casa Del Rio Terrace, Jacksonville, FL 32257Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Aug 2025 | $2,400,000 | $337 | 7/6 | 7,115 | 286 | 0.8 |
| 9114 Beauclerc Circle E, Jacksonville, FL 32257Listed by RE/MAX SPECIALISTS | Feb 2026 | $1,150,000 | $243 | 4/3.5 | 4,740 | 2 | 1.2 |
| 2501 Scott Mill Drive S, Jacksonville, FL 32223Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jun 2026 | $3,120,000 | $413 | 7/8 | 7,556 | 99 | 1.3 |
| 10743 Waverly Bluff Way, Jacksonville, FL 32223Listed by PREMIER HOMES REALTY INC | Apr 2026 | $1,275,000 | $274 | 5/4.5 | 4,660 | 463 | 1.6 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
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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Krista Fracke
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