This home is in Kensington Gardens, Jacksonville — a home near Sandalwood High School.
Active·111 days on market·Kensington Gardens
2163 St Martins Drive W
Jacksonville, FL 32246
About this home
Kensington Gardens
Welcome to Kensington, one of Jacksonville's most sought-after communities, celebrated for its exceptional location and resort-style amenities. This beautiful 4-beds, 2-baths, 2-car garage home offers the perfect blend of comfort, flexibility, and Multi-generational living. A standout feature is the attached Accessory Dwelling Unit (ADU) with its own private entrance, kitchenette, full bath, separate ac, water heater and washer-dryer hook-up ideal for extended family, a home office, or art studio. The spacious floor plan has high ceilings, plantation shutters, crown moldings all throughout. Exterior has brick sidings and new roof installed March 2026. Located minutes from St. Johns Town Center, Mayo Clinic, Jax Beaches, top-rated schools, shopping, dining, and major highways, this home offers both convenience and lifestyle. Residents enjoy community amenities, including a junior Olympic-sized swimming pool, tennis & basketball courts, playground, scenic lakes and walking areas.
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, 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 | $451,095 | $185,928 | — |
| 2024 | $436,530 | $179,840 | — |
| 2023 | $436,955 | $173,000 | — |
| 2022 | $403,302 | $166,360 | — |
| 2021 | $320,766 | $159,913 | — |
| 2020 | $302,793 | $156,946 | — |
2025 property taxes (current owner): $3,695/yr
Estimated taxes if purchased at asking price: ~$10,600/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 1993)
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: ~1,782 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 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 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
- Aug 8, 2026Price change$540,000−$20,000
- Jul 8, 2026Price change$560,000−$19,900
- Apr 19, 2026Listed$579,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Kensington Gardens
Kensington Gardens is a neighborhood in Jacksonville, FL (Duval County), ZIP 32246.
View all Kensington Gardens homes for sale →Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines