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

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

Photo 1 / 96
Active

Active·69 days on market

4344 Boat Club Drive

Jacksonville, FL 32277

$1,238,000$435/sqftEst. $6,312/moMLS# 2147297
4
Beds
4
Baths
2,849
Sq Ft
1998
Built
2
Garage
Yes
Pool

About this home

Jacksonville

Discover your dream home nestled along the picturesque St. Johns River! This exquisite brick residence boasts four generously sized bedrooms, each thoughtfully designed to offer comfort and privacy, complemented by four opulent bathrooms featuring high-end finishes. The heart of the home is a gourmet kitchen, where culinary delights can be created while soaking in the breathtaking river views through large windows that invite natural light. Retreat to the master suite, a serene oasis that includes a private balcony, perfect for savoring the stunning sunsets that paint the sky each evening. Take a stroll along your private dock, where you can indulge in fishing at your leisure. The tranquil waters of river await you, providing the perfect setting for a peaceful day spent casting your line and enjoying serene surroundings. This home truly embodies a luxurious lifestyle, offering a harmonious blend of elegance, comfort and beauty of nature. Embrace the lifestyle you've always dreamed of!

Cost to own

Mortgage calculator

$1,238,000
$247,600
Loan Term
Monthly Payment
$6,312
Principal & Interest: $6,312
Property taxes (est.): $2,022
Insurance (est.): $825
Estimated Total Monthly
$9,159
*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$6,312
Property taxesest. at asking price, Duval County$2,021
HOAbilled annually$74
Estimated total, before insurance$8,408/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$12,997/yr · $1,083/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).

Cost to own

Taxes & assessment

Last sold: $858,000 in June 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$710,953$710,953
2024$715,084$715,084 $2,186
2023$740,987$740,987
2022$556,490$525,158
2021$477,417$477,417
2020$465,324$465,324 $36,191

2025 property taxes (current owner): $12,997/yr

Estimated taxes if purchased at asking price: ~$24,300/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1998)

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: ~1,710 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

  • May 27, 2026Listed$1,238,000

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

Features

Price$1,238,000
Price / Sq Ft$435
Bedrooms4
Bathrooms4.00
Full Baths4
Square Footage2,849
Acres0.27 acres
Year Built1998
TypeResidential
Sub-TypeSingle Family Residence
StyleA-Frame
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontYes
Direction FacesSouth

School Information

ElementaryFort Caroline
MiddleArlington
HighTerry Parker

Community Information

Address4344 Boat Club Drive, Jacksonville, FL 32277
Area041-Arlington
SubdivisionSt Johns Cay
CityJacksonville
CountyDuval
StateFL
Zip Code32277
Lot Size11,761.2 sq ft
Parcel Number1089068090
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingCircular Driveway, Garage
ViewRiver

Interior

Interior FeaturesCeiling Fan(s), His and Hers Closets, Jack and Jill Bath, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Disposal, Electric Cooktop, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringLaminate
FireplaceYes
Fireplace FeaturesElectric
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Upper Level, Washer Hookup
SecuritySecurity Gate

Exterior

Exterior FeaturesBalcony, Dock
Patio / PorchDeck, Patio
FencingBack Yard
RoofShingle
ConstructionBrick
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedMay 27, 2026
Days on Market56
HOA Fees$890 / Annually
HOA FrequencyAnnually
Tax Amount$12,997.15
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: NEXTHOME ENDLESS SUMMER

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

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 home

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

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

Contact Krista Fracke