This home is in Secret Cove, Jacksonville.
Pending·99 days on market·Secret Cove
3245 Clipper Place
Jacksonville, FL 32216
About this home
Secret Cove
Welcome to this beautifully updated 1,990 sq ft home on a spacious cul-de-sac lot in the sought after Secret Cove subdivision.! Thoughtfully remodeled and move-in ready, this home offers the perfect blend of style, comfort, and functionality. The open kitchen features white cabinets, marble countertops, stainless steel GE appliances, a new Frigidaire refrigerator, reverse osmosis system, & a built-in breakfast nook. Skylights fill the adjacent living room with natural light, complemented by a cozy wood-burning fireplace. Sliding glass doors lead to a screened and covered porch, perfect for relaxing or entertaining. The spacious primary suite offers a walk-in closet and a remodeled bath with dual sinks. Secret Cove offers their residents an optional association membership that provides access to the neighborhood amenities. Enjoy the community pool, playing fields, tennis courts, playgrounds, 23-acre lake with docks, plus a pavilion where neighborhood events are held.
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 | $353,578 | $204,946 | ▲ $27,726 |
| 2024 | $326,236 | $198,463 | — |
| 2023 | $321,514 | $191,227 | — |
| 2022 | $312,900 | $184,201 | — |
| 2021 | $243,091 | $177,380 | ▲ $12,675 |
| 2020 | $225,519 | $174,241 | ▲ $6,100 |
2025 property taxes (current owner): $4,183/yr
Estimated taxes if purchased at asking price: ~$9,400/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 1981)
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: ~1,653 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
- Jul 13, 2026Pending$479,900
- May 1, 2026Listed$479,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Secret Cove
Secret Cove is a neighborhood in Jacksonville, FL (Duval County), ZIP 32216.
View all Secret Cove homes for sale →Listing Courtesy of: MOMENTUM REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines