This home is in Jacksonville — a home near Sandalwood High School.
Sold·Closed Jul 22, 2026·4 days on market·Recent sales in Jacksonville
2320 Chartley Lane N
Jacksonville, FL 32246
About this home
Jacksonville
**MULTIPLE OFFERS RECV'D - HIGHEST & BEST DUE BY 5 PM ON 6/7** A home that welcomes you the moment you step through the foyer and feel the warmth of bamboo underfoot. This inviting 4BR/2BA, 2,266 SF residence is laid out for comfortable living and effortless entertaining: formal living and dining rooms flow into a generous family room where afternoons unfold, and a kitchen with stainless appliances, granite counters, and tile backsplash becomes the heart of the home. The primary suite is a private retreat--bamboo flooring, French doors that open to the covered lanai, and a spa-like en-suite with travertine tile flooring, dual quartz-topped vanities, a garden tub and separate walk-in shower. On the opposite side of the home, three bedrooms offer space for family, guests, or a home office. Outside, the yard feels like a secret garden on a generous .33-acre lot with no neighbor to the right: two pergolas and a low-maintenance Azek deck create perfect spots for morning coffee or evening
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 (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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — year not disclosed (home built 2002)
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: ~1,808 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.
Sun & Light
Northeast-facing backyard — summer sunrises, all-day cool
The listing reports the home facing southwest, which puts the backyard on the northeast side. Today at this address: sunrise 7:25 AM, sunset 7:00 PM.
- The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
- The coolest diagonal for a lanai; a pool here trades warmth for comfort.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $403,806 | $164,179 | — |
| 2024 | $380,021 | $158,704 | — |
| 2023 | $394,679 | $152,480 | — |
| 2022 | $365,518 | $150,937 | — |
| 2021 | $275,362 | $145,570 | — |
| 2020 | $257,875 | $142,870 | — |
2025 property taxes (current owner): $3,442/yr
Estimated taxes if purchased at asking price: ~$9,600/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
- Jul 22, 2026Closed$475,000
- Jun 4, 2026Listed$475,000
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 $267/sq ft; this home is listed at $210/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 12029 Cavalry Court, Jacksonville, FL 32246Listed by REALTY ONE GROUP ELEVATE | Sep 2026 | $524,900 | $249 | 3/2 | 2,104 | 42 | 0.1 |
| 2171 Cavalry Boulevard, Jacksonville, FL 32246Listed by KELLER WILLIAMS ST JOHNS | Oct 2026 | $535,000 | $235 | 4/2 | 2,274 | 6 | 0.2 |
| 2660 Alexia Circle, Jacksonville, FL 32246Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Sep 2026 | $535,000 | $267 | 4/3 | 2,006 | 135 | 0.6 |
| 12679 Laurel Bay Drive, Jacksonville, FL 32246Listed by FLUID REALTY, LLC. | Aug 2026 | $710,000 | $367 | 3/2 | 1,937 | 3 | 0.7 |
| 12752 Costas Way, Jacksonville, FL 32246Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $675,000 | $301 | 4/3 | 2,246 | 133 | 0.9 |
| 12079 Sunchase Drive, Jacksonville, FL 32246Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Sep 2026 | $408,500 | $221 | 4/2 | 1,847 | 5 | 0.9 |
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: MOMENTUM REALTY
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.
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Krista Fracke
Broker Associate
This home sold on Jul 22, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →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.
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