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.

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Active

Active·38 days on market

4568 Sun Garden Drive

Jacksonville, FL 32257

$389,000$233/sqftEst. $2,000/moMLS# 2143318

Beds

Baths

1,669

Sq Ft

2023

Built

Garage

Pool

About this home

Jacksonville

Welcome to easy 55+ living in this beautifully maintained 2BR/2BA home with office, quietly set on a cul-de-sac in a gated community with serene wooded-preserve views. The bright 1,669-sq.-ft. open layout features 10-ft ceilings, 8-ft doors, tray ceilings, tile flooring throughout, fresh paint, and refined details including board-and-batten, shiplap, and framed doorway accents. The well-appointed kitchen offers quartz countertops, 42-inch cabinetry, gas range, oven, microwave, vent hood, and tile backsplash, while the inviting primary suite includes a walk-in closet and a relaxing bath with double vanity, shower bench, and built-in niche. Enjoy quiet mornings on the screened lanai, peaceful evenings in the fenced backyard, or easy entertaining on the paver patio surrounded by a private natural backdrop. Thoughtful conveniences include a tankless gas water heater, gas/electric laundry hookups, security-system prewiring, and water-softener loop

Cost to own

Mortgage calculator

Home Price

$389,000

Down Payment: 20%

$77,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,000

Principal & Interest: $2,000

Property taxes (est.): $635

Insurance (est.): $259

Estimated Total Monthly

$2,894

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,000

Property taxesest. at asking price, Duval County$635

HOAbilled monthly$425

Estimated total, before insurance$3,060/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.

Cost to own

Taxes & assessment

Last sold: $392,200 in July 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$326,631	$223,653	▲ $20,000
2024	$307,795	$216,643	—
2023	$50,000	$50,000	—

Estimated taxes if purchased at asking price: ~$7,600/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 2023)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,645 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

Aug 15, 2026Price change$389,000+$14,100
Jul 22, 2026Price change$374,900−$5,000
Jul 21, 2026Active$379,900
Jul 10, 2026Pending$379,900
May 4, 2026Listed$379,900

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

Features

Price$389,000

Price / Sq Ft$233

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,669

Total Structure Area1,669 sq ft

Year Built2023

TypeResidential

Sub-TypeTownhouse

StyleVilla

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

55+ CommunityYes

Community Information

Address4568 Sun Garden Drive, Jacksonville, FL 32257

Area013-Beauclerc/Mandarin North

SubdivisionEverlake

CityJacksonville

CountyDuval

StateFL

Zip Code32257

Parcel Number1490772945

Amenities

UtilitiesCable Available, Cable Connected, Electricity Connected, Natural Gas Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Primary Bathroom - Tub with Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Cooktop, Ice Maker, Instant Hot Water, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral, Electric

CoolingCentral Air

FlooringTile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Lower Level, Washer Hookup

SecurityCarbon Monoxide Detector(s), Firewall(s), Security Gate, Security Lights