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

This home is in Jacksonville.

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Sold

Sold·Closed Aug 17, 2026·28 days on market·Recent sales in Jacksonville

3697 Mindy Ashley Lane

Jacksonville, FL 32218

$340,000sold priceListed at $340,000 · 100% of asking$151/sqftMLS# 2149503
4
Beds
3
Baths
2,256
Sq Ft
2005
Built
2
Garage
No
Pool
FEMA Zone XHOA $49/mo8,712 sqft lotSingle Family Residence1 story

About this home

Jacksonville

This beautiful home in a well sought-after Gated Community Offers over 2200 square feet with 4 bedrooms and 3 full bathrooms. split bedrooms. Perfect for a large family. Updated Kitchen, Gas fireplace , New Roof (2026) and has been freshly painted on the exterior. Conveniently located near I-295 , I-95, River City Marketplace, and Jax Airport. N0 CDD Fees.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,883
Property taxesest. at asking price, Duval County$555
HOAbilled annually$49
Estimated total, before insurance$2,487/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,299/yr · $442/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$340,000
$68,000
Loan Term
Monthly Payment
$1,883
Principal & Interest: $1,883
Property taxes (est.): $555
Insurance (est.): $227
Estimated Total Monthly
$2,665
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: material not specified — 2026 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,711 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.

Cost to own

Taxes & assessment

Last sold: $68,200 in September 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$295,954$268,087—
2024$285,382$243,716—
2023$296,565$221,560—
2022$235,446$201,419—
2021$183,109$183,109▲ $2,500
2020$175,245$175,245—

2025 property taxes (current owner): $5,299/yr

Estimated taxes if purchased at asking price: ~$6,700/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

  • Aug 19, 2026Closed$340,000
  • Jul 8, 2026Pending$340,000
  • Jun 8, 2026Listed$340,000

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 $185/sq ft; this home is listed at $151/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
11593 Springboard Drive, Jacksonville, FL 32218Listed by PROVINCE REALTY GROUP LLCAug 2026$270,000$1583/21,70500.1
3787 Juliet Leia Circle W, Jacksonville, FL 32218Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTOct 2026$339,000$1674/22,0301220.2
12011 Yew Tree Road, Jacksonville, FL 32218Listed by D R HORTON REALTY INCSep 2026$420,000$1854/32,273110.9
12071 Yew Tree Road, Jacksonville, FL 32218Listed by D R HORTON REALTY INCSep 2026$329,350$2003/21,646451
12082 Yew Tree Road, Jacksonville, FL 32218Listed by D R HORTON REALTY INCSep 2026$322,000$1993/21,618781
12107 Yew Tree Road, Jacksonville, FL 32218Listed by D R HORTON REALTY INCSep 2026$362,350$1684/2.52,160941

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

Price$340,000
Price / Sq Ft$151
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,256
Acres0.20 acres
Year Built2005
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address3697 Mindy Ashley Lane, Jacksonville, FL 32218
Area091-Garden City/Airport
SubdivisionJacobs Way
CityJacksonville
CountyDuval
StateFL
Zip Code32218
Lot Size8,712 sq ft
Parcel Number0199742600
ZoningSingle Family

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms
AppliancesDishwasher, Disposal, Electric Range, Microwave, Water Softener Owned
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Laminate
FireplaceYes
Fireplace FeaturesGas
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySecurity Gate

Additional Information

Date ListedJune 9, 2026
Days on Market28
HOA Fees$585 / Annually
HOA FrequencyAnnually
Tax Amount$5,298.94
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 17, 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.

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20+ years · 500+ closings · NE Florida

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