This home is in Jacksonville.
Active·131 days on market
3923 Cobalt Avenue E
Jacksonville, FL 32210
See it this week
Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
One or more photo(s) was virtually staged. Move-in ready three-bedroom, two-bathroom home in the desirable Cedar Hill Estates neighborhood. This property features a functional layout highlighted by an updated kitchen complete with granite countertops and stainless steel and black appliances. The primary bedroom provides a comfortable retreat, featuring a large walk-in closet for ample storage. Step outside to enjoy the convenience of an area with no HOA fees, offering easy access to local shops, schools, and major roadways. Schedule your private showing today!
Next steps in Jacksonville
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 1958)
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: ~1,523 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.
Cost to own
Taxes & assessment
Last sold: $262,400 in February 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $181,046 | $181,046 | — |
| 2024 | $176,549 | $176,549 | — |
| 2023 | $170,744 | $170,744 | — |
| 2022 | $163,219 | $163,219 | ▲ $12,000 |
| 2021 | $126,638 | $126,638 | ▲ $4,902 |
| 2020 | $118,124 | $118,124 | ▲ $3,000 |
2025 property taxes (current owner): $3,596/yr
Estimated taxes if purchased at asking price: ~$5,000/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.
History
Price & status history
- Sep 25, 2026Price change$254,900−$5,000
- Jul 10, 2026Price change$259,900−$10,000
- Jun 2, 2026Listed$269,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $137/sq ft; this home is listed at $132/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 6317 Graves Street, Jacksonville, FL 32210Listed by KELLER WILLIAMS ST JOHNS | Aug 2026 | $130,000 | $87 | 3/1.5 | 1,496 | 11 | 0.3 |
| 2449 Lane Avenue S, Jacksonville, FL 32210Listed by UP REAL ESTATE | Sep 2026 | $205,000 | $137 | 3/2 | 1,491 | 7 | 0.7 |
| 6319 Raw Hyde Trail S, Jacksonville, FL 32210Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $205,576 | $139 | 3/2 | 1,482 | 67 | 0.7 |
| 6812 Tango Lane S, Jacksonville, FL 32210Listed by WHOLESALE REALTY LLC | Oct 2026 | $120,000 | $69 | 4/2.5 | 1,741 | 14 | 0.8 |
| 6453 Solandra Drive, Jacksonville, FL 32210Listed by WHOLESALE REALTY LLC | Sep 2026 | $147,000 | $86 | 3/2 | 1,706 | 8 | 0.8 |
| 4248 Oriely Drive, Jacksonville, FL 32210Listed by ALKO REALTY LLC | Aug 2026 | $282,000 | $149 | 4/2 | 1,898 | 8 | 0.8 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ENTERA REALTY LLC
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.
Keep looking
More homes in Cedar Hill Estates
For Sale3606 Jammes RoadJacksonville, FL 32210
3 bd · 1.5 ba · 1,305 sq ft
$235,000Est. $1,251/moBeautifully renovated and packed with possibilities! This 3-bedroom, 1.5-bath home sits on a large, private fenced lot…
Listing Office: 1 percent lists first coast
For Sale6529 Bo Peep Drive NJacksonville, FL 32210
3 bd · 1.5 ba · 1,050 sq ft
$219,000Est. $1,166/moCompletely Renovated & Updated Home! NEW ROOF JUST PUT ON NEW ELECTRIC PANEL JUST INSTALLED September 2026 Welcome to…
Listing Office: belle epoque realty services llc
Pending7044 Red Robin Drive DriveJacksonville, FL 32210
3 bd · 2 ba · 1,026 sq ft
$179,900Est. $958/moWelcome to this charming 3-bedroom, 2-bathroom home located in the desirable Cedar Hills Estates neighborhood. Step…
Listing Office: entera realty llc
Pending1605 N Patrick CircleDaytona Beach, FL 32117
3 bd · 1 ba · 1,170 sq ft
$130,000Est. $692/moPriced to sell FAST!!!! Block Investment property priced at tax value with alot of room for investors to make a profit…
Listing Office: the gardner empire real estate
Keep looking
Similar homes in Jacksonville
Explore the area
More in Jacksonville
Jacksonville guides & reports
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