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This home is in Secret Cove, Jacksonville.

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Active Under Contract

Active Under Contract·56 days on market·Secret Cove

3158 Old Port Circle W

Jacksonville, FL 32216

$473,000$207/sqftEst. $2,439/moMLS# 2147477

Beds

Baths

2,286

Sq Ft

1980

Built

Garage

Pool

About this home

Secret Cove

''First Right of Refusal...Bring your offers''. Secret Cove is a well-established community in the heart of Jacksonville. This well-maintained home offers 4 bedrooms, 2 bathrooms, a flex room, formal dining room, indoor laundry room, and a spacious enclosed Florida room. The open floor plan is highlighted by vaulted ceilings, luxury vinyl plank flooring, and a beautiful wood-burning fireplace that serves as the centerpiece of the living area. The kitchen features stainless steel appliances and overlooks both the living room and breakfast nook, creating a comfortable space for everyday living and entertaining. Situated on a generous 0.42-acre lot, the oversized backyard offers plenty of room for outdoor activities, gardening, or future enhancements. CURRENT PROPERTY TAXES REFLEC THE SELLERS NON-HOMESTEADED STATUS AND MAY BE LOWER FOR AN OWNER-OCCUPANT WHO QUALIFIES FOR HOMESTEAD EXEMPTION.

Cost to own

Mortgage calculator

Home Price

$473,000

Down Payment: 20%

$94,600

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,439

Principal & Interest: $2,439

Property taxes (est.): $772

Insurance (est.): $315

Estimated Total Monthly

$3,527

*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$2,439

Property taxesest. at asking price, Duval County$772

HOAbilled voluntary$460

Estimated total, before insurance$3,672/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,799/yr · $567/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

Year	Market value	Taxable value	Change
2025	$361,587	$361,587	▲ $23,512
2024	$338,446	$337,565	—
2023	$333,594	$306,878	—
2022	$324,502	$278,980	—
2021	$253,619	$253,619	▲ $13,734
2020	$234,375	$234,375	▲ $6,616

2025 property taxes (current owner): $6,799/yr

Estimated taxes if purchased at asking price: ~$9,300/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 — 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 1980)

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: ~1,189 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

Jul 24, 2026Active Under Contract$473,000
Jul 9, 2026Price change$473,000−$6,000
Jun 13, 2026Listed$479,000

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

Features

Price$473,000

Price / Sq Ft$207

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,286

Acres0.42 acres

Year Built1980

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address3158 Old Port Circle W, Jacksonville, FL 32216

Area022-Grove Park/Sans Souci

SubdivisionSecret Cove

CityJacksonville

CountyDuval

StateFL

Zip Code32216

Lot Size18,295.2 sq ft

Parcel Number1543790734

ZoningResidential

Amenities

AmenitiesPool, Barbecue, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Primary Bathroom - Shower No Tub, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Cooktop, Electric Oven, Electric Range, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryIn Unit