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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in River Oaks, Jacksonville — a pool home in Jacksonville.

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Sold

Sold·Closed Jun 9, 2026·1 day on market·Recent sales in River Oaks·River Oaks

2722 White Oak Lane

Jacksonville, FL 32207

$1,000,000sold priceListed at $1,050,000 · 95.2% of asking$331/sqftMLS# 2145079
3
Beds
2.5
Baths
3,018
Sq Ft
1938
Built
—
Garage
Yes
Pool

4 more homes for sale in River Oaks →Search River Oaks on the map

No HOA7,841 sqft lotSingle Family Residence2 stories

About this home

River Oaks

Location! Location! Location! Fantastic home in desirable San Marco, just minutes from retail and restaurants in San Marco Square. This home has been the current owners' paradise for many years, and now you can make it your own paradise! Expansive rooms set up a perfect scenario for entertaining. Custom built-ins. Spacious Kitchen. Generously sized Bedrooms. Great outdoor space, too! Pergola covered patio overlooking a refreshing pool surrounded by a privacy wall. Former Garage converted into an additional Flex space. House has been freshly painted inside. HVAC 2021. Home located on a short, picturesque dead-end street. No HOA and No CDD. Professional photos and video will be added on Monday.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$5,539
Property taxesest. at asking price, Duval County$1,633
Estimated total, before insurance$7,172/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,493/yr · $374/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,000,000
$200,000
Loan Term
Monthly Payment
$5,539
Principal & Interest: $5,539
Property taxes (est.): $1,633
Insurance (est.): $667
Estimated Total Monthly
$7,839
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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: Shingle — year not disclosed (home built 1938)

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

Solar potential: ~1,574 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

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

YearMarket valueTaxable valueChange
2025$663,582$222,432▲ $47,423
2024$618,616$215,456▼ $12,166
2023$649,427$207,725▲ $63,806
2022$572,404$200,219—
2021$508,170$192,932—
2020$487,062$189,578—

2025 property taxes (current owner): $4,493/yr

Estimated taxes if purchased at asking price: ~$19,600/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.

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 $468/sq ft; this home is listed at $348/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2782 Green Bay Lane, Jacksonville, FL 32207Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTAug 2026$1,820,000$5185/5.53,511310.1
2743 Green Bay Lane, Jacksonville, FL 32207Listed by PONTE VEDRA CLUB REALTY, INC.Jul 2026$1,350,000$3704/3.53,6452160.2
944 Elder Lane, Jacksonville, FL 32207Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJun 2026$2,600,000$7384/43,52170.2
2564 Pineridge Road, Jacksonville, FL 32207Listed by BEYCOME OF FLORIDA LLCAug 2026$675,000$3063/2.52,20580.3
2527 Pineridge Road, Jacksonville, FL 32207Listed by PETRA MANAGEMENT INC.Aug 2026$1,550,000$4684/3.53,314110.3
1122 Marco Place, Jacksonville, FL 32207Listed by INTEGRITY KEY REALTY LLCMay 2026$648,375$2653/32,44940.3

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

Price$1,050,000
Price / Sq Ft$348
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage3,018
Acres0.18 acres
Year Built1938
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontNo

Community Information

Address2722 White Oak Lane, Jacksonville, FL 32207
Area011-San Marco
SubdivisionRiver Oaks
CityJacksonville
CountyDuval
StateFL
Zip Code32207
Lot Size7,840.8 sq ft
Parcel Number0823990000

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingOther, Off Street, On Street

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Pantry, Primary Bathroom - Shower No Tub, Vaulted Ceiling(s)
AppliancesDishwasher, Double Oven, Dryer, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringWood
FireplaceYes
# of Fireplaces1
# of Stories2

Exterior

Lot DescriptionDead End Street
Patio / PorchPatio
FencingBlock
RoofShingle

Additional Information

Date ListedMay 24, 2026
Days on Market1
Tax Amount$4,493.37
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: THE LEGENDS OF REAL ESTATE

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.

The neighborhood

About River Oaks

River Oaks is a neighborhood in Jacksonville, FL (Duval County), ZIP 32207.

View all River Oaks homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 9, 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

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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