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 — a waterfront home in Jacksonville.

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Active

Active·107 days on market

2957 Forest Circle

Jacksonville, FL 32257

$4,500,000$705/sqftEst. $22,944/moMLS# 2140612

Beds

Baths

6,387

Sq Ft

1983

Built

Garage

Yes

Pool

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.

Cost to own

Mortgage calculator

Home Price

$4,500,000

Down Payment: 20%

$900,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$22,944

Principal & Interest: $22,944

Property taxes (est.): $7,348

Insurance (est.): $3,000

Estimated Total Monthly

$33,292

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$22,944

Property taxesest. at asking price, Duval County$7,348

Estimated total, before insurance$30,292/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$19,439/yr · $1,620/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	$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: ~$88,200/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.

Hurricane evacuation zone C

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

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 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

Apr 17, 2026Listed$4,500,000

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

Features

Price$4,500,000

Price / Sq Ft$705

Bedrooms4

Bathrooms5.00

Full Baths4

Half Baths2

Square Footage6,387

Total Structure Area8,139 sq ft

Acres1.09 acres

Year Built1983

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontYes

Direction FacesNorthwest

School Information

ElementaryBeauclerc

MiddleAlfred Dupont

HighAtlantic Coast

Community Information

Address2957 Forest Circle, Jacksonville, FL 32257

Area013-Beauclerc/Mandarin North

SubdivisionBeauclerc Point

CityJacksonville

CountyDuval

StateFL

Zip Code32257

Lot Size47,480.4 sq ft

Lot Dimensions100' (W)x 520'

Parcel Number1494350000

ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Not Available, Water Available, Propane

SewerPrivate Sewer, Septic Tank

Water SourcePrivate, Well

ParkingAttached, Circular Driveway, Garage, Garage Door Opener

ViewPool, River

Waterfront TypeNavigable Water, No Fixed Bridges, River Access, River Front, Seawall

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Gas Water Heater, Microwave, Refrigerator, Washer, Wine Cooler

HeatingCentral, Electric

CoolingCentral Air, Electric, Zoned

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces2

Fireplace FeaturesGas, Wood Burning

# of Stories2

LevelsTwo

LaundryGas Dryer Hookup, In Unit, Lower Level, Sink, Washer Hookup

Window FeaturesSkylight(s)

SecuritySecurity System Owned, Smoke Detector(s)