This home is in Jacksonville — a waterfront home in Jacksonville.
Active·144 days on market
4173 Sunset Lane S
Jacksonville, FL 32257
About this home
Jacksonville
Waterfront Oasis! Well maintained, North Mandarin navigable waterfront, with just minutes boat ride to St. Johns River! All-brick waterfront home offers the perfect blend of comfort, style, and boating convenience. Situated on a desirable corner lot, the property features a private dock with boat and jet ski lifts, covered boat lift with a metal roof--with 3 kayaks and dock furniture included with home! Fishing and weekend adventures await you! Inside, you'll find a thoughtfully renovated interior with updates over the years including a newer roof (2019), updated electrical panel, plumbing, windows, interior freshly painted and more. The updated kitchen is a standout with stainless steel appliances, a wine refrigerator, modern backsplash, large stainless sink, plenty of counter space and an abundance of natural light. Freshly refinished hardwood floors add warmth throughout, while the gas fireplace adds a cozy focal point.
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.
Zone X (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — 2019 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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).
Solar potential: ~1,731 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $501,079 | $501,079 | ▲ $21,217 |
| 2024 | $480,825 | $480,825 | ▲ $6,535 |
| 2023 | $482,235 | $203,691 | ▼ $7,417 |
| 2022 | $481,411 | $196,302 | — |
| 2021 | $243,430 | $189,129 | — |
| 2020 | $239,606 | $185,828 | — |
2025 property taxes (current owner): $9,274/yr
Estimated taxes if purchased at asking price: ~$11,300/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.
History
Price & status history
- Sep 1, 2026Price change$574,900−$10,100
- Jul 21, 2026Price change$585,000−$10,000
- May 1, 2026Listed$595,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: SERVICE REALTY, LLC · Amy@yourservicerealty.com
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
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
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