This home is in Jacksonville — a home near Sandalwood High School.
Active·74 days on market
3096 Covenant Cove Drive
Jacksonville, FL 32224
About this home
Jacksonville
**ROCK BOTTOM PRICE!!** **INCREDIBLE VALUE!!*** This block-built, two-story is ready now for its next owner. Every big-ticket item is done: Soaring ceilings and clerestory windows pour natural light into the great room, giving you a life drenched in sunlight! The kitchen is the centerpiece, flowing effortlessly to living and formal dining spaces, with stainless steel appliances and granite countertops! Absolutely NO CARPET anywhere in the home!!! Upstairs offers a spacious loft that acts like a den and oversized rooms. PLUS your primary suite features, DUAL vanities, separate soaking tub, walk-in shower, a and a mini-split for personalized comfort. Step outside to an expansive custom paver patio with fire pit, lounge area, and full privacy fence, all framed by tropical landscaping. Come See this Beach-friendly neighborhood with HOA-maintained green spaces, pet stations, and a children's playground. Low 38 dollar per month HOA, no through traffic, Walk or bike to shopping and
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
Last sold: $575,000 in November 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $448,907 | $282,612 | — |
| 2024 | $449,604 | $273,940 | — |
| 2023 | $457,033 | $189,258 | — |
| 2022 | $411,311 | $182,290 | — |
| 2021 | $330,674 | $175,525 | — |
| 2020 | $321,807 | $172,412 | ▲ $14,575 |
2025 property taxes (current owner): $5,543/yr
Estimated taxes if purchased at asking price: ~$11,000/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.
Hurricane evacuation zone C
Zone C evacuates after zones A, B in an approaching storm.
Roof: Shingle — year not disclosed (home built 2008)
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: ~1,782 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 9, 2026Price change$560,000−$10,000
- May 21, 2026Listed$570,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
Similar homes in Jacksonville
Your Local Realtor
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
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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines