This home is in Jacksonville — a gated community home in Jacksonville.
Sold·Closed Jul 6, 2026·21 days on market·Recent sales in Jacksonville Beach
3697 Valverde Circle
Jacksonville, FL 32224
About this home
Jacksonville
Price Reduced $50k! Welcome to Palermo, a gated enclave of upscale Mediterranean style homes with community pool and fitness center. This well maintained, one owner single level ICI home features a customized ''Greenwich'' floor plan with distinctive tile roof. Gas fireplace in family room, office and formal dining room. Fully equipped kitchen with gas cook-top, built-in oven, microwave, stainless appliances, breakfast bar and nook. Crown molding, plantation shutters, tankless WH and inside laundry room with washer, dryer and utility sink. Covered porch with gas grill stub-out overlooks your private backyard with natural tree canopy and lush landscaping. New zoned HVAC in 2024, sprinkler system, and 2 car garage with epoxy coating. Conveniently located between Southside and the beach. Major grocery, pharmacy, shops, restaurants and public golf course are just up the road. Mayo Clinic, UNF, Town Center and TPC Sawgrass are minutes away. Homesteaded for low taxes and no CDD fees.
Next steps in Jacksonville Beach
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: Tile — year not disclosed (home built 2014)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,754 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 | $670,352 | $305,243 | — |
| 2024 | $641,804 | $295,933 | ▼ $126 |
| 2023 | $565,085 | $285,858 | — |
| 2022 | $507,694 | $276,076 | — |
| 2021 | $429,061 | $266,579 | — |
| 2020 | $417,637 | $262,209 | ▲ $32,036 |
2025 property taxes (current owner): $5,963/yr
Estimated taxes if purchased at asking price: ~$12,200/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.
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 $304/sq ft; this home is listed at $297/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3771 Hunt Club Road, Jacksonville, FL 32224Listed by INI REALTY | Sep 2026 | $817,500 | $324 | 3/2.5 | 2,524 | 3 | 0.4 |
| 3719 Sea Hawk Street E, Jacksonville, FL 32224Listed by JASON MITCHELL REAL ESTATE FLORIDA, LLC. | Sep 2026 | $425,000 | $191 | 4/2.5 | 2,227 | 99 | 0.6 |
| 4078 Glenhurst Drive N, Jacksonville, FL 32224Listed by FLUID REALTY, LLC. | Sep 2026 | $626,025 | $296 | 3/2 | 2,114 | 3 | 0.7 |
| 12968 Chets Creek Drive N, Jacksonville, FL 32224Listed by UNITED REAL ESTATE GALLERY | Sep 2026 | $469,000 | $252 | 3/2 | 1,858 | 2 | 0.8 |
| 3121 Brettungar Drive, Jacksonville, FL 32246Listed by PURSUIT REAL ESTATE, LLC | Sep 2026 | $690,000 | $321 | 3/3 | 2,152 | 2 | 1 |
| 12829 Biggin Church Road S, Jacksonville, FL 32224Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $692,000 | $304 | 4/3 | 2,276 | 62 | 1.1 |
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: PHYLLIS STAINES, BROKER
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 Jul 6, 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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