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This home is in Jacksonville — a gated community home in Jacksonville.

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Pending

Pending·78 days on market

4276 Stratford Way

Jacksonville, FL 32225

$529,000$218/sqftEst. $2,728/moMLS# 2146134

Beds

Baths

2,429

Sq Ft

1982

Built

Garage

Pool

About this home

Jacksonville

Fresh Opportunity at a New Price! Discover this beautifully maintained home situated on an oversized corner lot in Hidden Hills, one of the area's most sought-after gated communities where neighbors quickly become friends. Surrounded by mature trees, the property offers exceptional privacy and shade, creating the perfect backdrop for outdoor entertaining, quiet mornings, or relaxing evenings. Inside, the stunning glass-enclosed sunroom invites you to unwind while overlooking the peaceful, nature-filled backyard, and abundant natural light fills the home throughout. Three tranquil fountains--located in the front yard, backyard, and inside the home--add a unique sense of charm and serenity. This home has been thoughtfully updated with a brand-new garage door, reverse osmosis water filtration system, water softener, outdoor generator hookup, and a screened back patio designed for year-round enjoyment. Beautiful mature landscaping and thoughtful upgrades make this home truly stand out.

Cost to own

Mortgage calculator

Home Price

$529,000

Down Payment: 20%

$105,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,728

Principal & Interest: $2,728

Property taxes (est.): $864

Insurance (est.): $353

Estimated Total Monthly

$3,944

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,728

Property taxesest. at asking price, Duval County$864

HOAbilled monthly$150

Estimated total, before insurance$3,742/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

Year	Market value	Taxable value	Change
2025	$405,087	$0	—
2024	$384,399	$0	▲ $9,756
2023	$389,272	$0	—
2022	$337,646	$0	—
2021	$270,017	$0	—
2020	$240,539	$138,616	—

2025 property taxes (current owner): $414/yr

Estimated taxes if purchased at asking price: ~$10,400/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: material not specified — year not disclosed (home built 1982)

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: ~1,278 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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 3, 2026Pending$529,000
Jul 16, 2026Active Under Contract$529,000
May 22, 2026Listed$529,000

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

Features

Price$529,000

Price / Sq Ft$218

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,429

Acres0.32 acres

Year Built1982

TypeResidential

Sub-TypeSingle Family Residence

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address4276 Stratford Way, Jacksonville, FL 32225

Area042-Ft Caroline

SubdivisionHidden Hills

CityJacksonville

CountyDuval

StateFL

Zip Code32225

Lot Size13,939.2 sq ft

Parcel Number1606710138

ZoningResidential

Amenities

AmenitiesPark, Playground, Security

UtilitiesSewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic, Well

ParkingGarage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesEntrance Foyer, His and Hers Closets, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Water Heater, Gas Cooktop, Gas Oven, Microwave, Refrigerator, Trash Compactor, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringTile, Wood

FireplaceYes

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

SecurityGated with Guard, Security Gate