This home is in Jacksonville — a waterfront home in Jacksonville.
Sold·Closed May 29, 2026·13 days on market·Recent sales in Jacksonville
3925 Arbor Lake Drive W
Jacksonville, FL 32225
About this home
Jacksonville
RARE FIND ON THE LAKE! Beautiful lakefront home with many upgrades! Enjoy the serene lake views & manicured lawn from the screened-in porch or from the no maintenance Trex wood deck. Kitchen features new appliances, new interior paint, crown molding, new hot water heater, new A/C condenser & new granite/stone garage floor with garage screened door! Extras include a remote controlled retractable awning to enjoy the front patio & flower garden. Hardwood floors through out. Remote controlled blinds located in the beautiful glassed Florida Room just perfect for an office, second living area or play room with views of the beautiful, large lake from most rms! Master bedrm overlooks the lake & boasts a palladium window with a custom sunburst blind, California Design walk-in closet & a gorgeous remodeled tiled shower with handicap grab bars. Work bench, shelves, washer & dryer stay. No maintenance exterior! Low HOA fee includes 2 pools with clubhouse & playgrounds, 5 pickleball & 1 tennis crt
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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.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 1997)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,796 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 homeThis 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 | $327,906 | $100,727 | — |
| 2024 | $301,923 | $97,040 | ▲ $12,276 |
| 2023 | $299,467 | $92,612 | — |
| 2022 | $261,661 | $92,813 | — |
| 2021 | $206,976 | $88,639 | — |
| 2020 | $202,299 | $86,718 | ▲ $11,623 |
2025 property taxes (current owner): $2,316/yr
Estimated taxes if purchased at asking price: ~$8,000/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.
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 $234/sq ft; this home is listed at $251/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 11987 Arbor Lake Drive, Jacksonville, FL 32225Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $388,900 | $255 | 3/2 | 1,526 | 25 | 0.2 |
| 11636 Brush Ridge Circle N, Jacksonville, FL 32225Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Aug 2026 | $385,000 | $234 | 3/2 | 1,643 | 21 | 0.2 |
| 3953 Arbor Bluff Lane E, Jacksonville, FL 32225Listed by RIVER CITY RENTALS AND REALTY | Aug 2026 | $449,000 | $254 | 4/2 | 1,768 | 10 | 0.4 |
| 11185 Ridgetop Lane, Jacksonville, FL 32225Listed by MOMENTUM REALTY | Sep 2026 | $240,000 | $173 | 3/2 | 1,390 | 43 | 0.5 |
| 3408 Cozumel Court, Jacksonville, FL 32225Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $279,900 | $223 | 3/2 | 1,255 | 2 | 0.5 |
| 11201 Mikris Drive S, Jacksonville, FL 32225Listed by ROOT REALTY LLC | Oct 2026 | $255,000 | $200 | 3/2 | 1,272 | 30 | 0.6 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: INI 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
Broker Associate
This home sold on May 29, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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