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 gated community home in Jacksonville.

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Active

Active·97 days on market

4286 Studio Park Avenue

Jacksonville, FL 32216

$438,000$158/sqftEst. $2,233/moMLS# 2142810

Beds

Baths

2,766

Sq Ft

2008

Built

Garage

Pool

About this home

Jacksonville

** Seller is offering a $5K Buyer Incentive w/an acceptable offer ** A beautifully appointed 3 story townhome in a desirable gated community just minutes from shopping, dining, & entertainment. An upgraded gourmet kitchen is outfitted w/high-end appliances & designer finishes. KitchenAid counter-depth 36-inch side-by-side refrigerator, Zephyr 36'' under-cabinet recirculating hood, & a Fisher & Paykel white 36-inch induction range w/a 5-year ext warranty, Asko 24'' auto door-opening dishwasher, KitchenAid countertop microwave & air fryer combo, a Bocchi 32'' Sotto undermount sink, a Brizo Rook Smart Touch faucet w/air switch, along with an InSinkErator ¾ HP garbage disposal. Hardwood flooring enhances the main living areas. Carpet in the bedrooms. An electric fireplace is a focal point in the family room, perfect for unwinding at the end of the day. This townhome offers versatility, style, and low-maintenance.

Cost to own

Mortgage calculator

Home Price

$438,000

Down Payment: 20%

$87,600

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,233

Principal & Interest: $2,233

Property taxes (est.): $715

Insurance (est.): $292

Estimated Total Monthly

$3,240

*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$2,233

Property taxesest. at asking price, Duval County$715

HOAbilled monthly$445

Estimated total, before insurance$3,393/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,454/yr · $454/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

Last sold: $437,000 in June 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$382,005	$278,776	▲ $14,516
2024	$369,333	$270,212	—
2023	$382,318	$212,596	—
2022	$358,595	$209,302	—
2021	$292,639	$201,735	—
2020	$279,025	$198,253	—

2025 property taxes (current owner): $5,454/yr

Estimated taxes if purchased at asking price: ~$8,600/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 2008)

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: ~1,700 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 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

Jul 8, 2026Price change$438,000−$12,000
Apr 30, 2026Listed$450,000

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

Features

Price$438,000

Price / Sq Ft$158

Bedrooms3

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,766

Acres0.06 acres

Year Built2008

TypeResidential

Sub-TypeTownhouse

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesEast

School Information

ElementaryGreenfield

MiddleSouthside

HighEnglewood

Community Information

Address4286 Studio Park Avenue, Jacksonville, FL 32216

Area022-Grove Park/Sans Souci

SubdivisionMidtowne

CityJacksonville

CountyDuval

StateFL

Zip Code32216

Lot Size2,613.6 sq ft

Parcel Number1525755098

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Maintenance Grounds, Management - Off Site

UtilitiesCable Connected, Electricity Connected, Sewer Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener, Guest

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesInduction Cooktop, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air

FlooringCarpet, Tile, Wood

FireplaceYes

Fireplace FeaturesElectric

# of Stories3

LevelsThree Or More

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecurityFire Alarm, Security Gate, Smoke Detector(s)