Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville — a home near Atlantic Coast High School.

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Pending

Pending·53 days on market

3159 Ash Harbor Drive E

Jacksonville, FL 32224

$499,900$234/sqftEst. $2,549/moMLS# 2149747

Beds

Baths

2,136

Sq Ft

1999

Built

Garage

Pool

About this home

Jacksonville

Enjoy Florida living at its best in this beautifully located home featuring a newer heated, screened pool overlooking a wooded area for added privacy and a peaceful backyard setting. The first floor offers a spacious kitchen connected to the family room, plus a versatile bonus living area perfect for a home office, playroom, or flex space. The generously sized primary suite includes excellent closet space and a well-appointed bath. Zoned for highly desirable Chets Creek Elementary and equipped with a generator, this home combines comfort, convenience, and an exceptional location. Ideally situated between the beach and the city, you'll be just 10 minutes from the ocean and less than 10 minutes from St. Johns Town Center's shopping, dining, and entertainment. A wonderful opportunity to enjoy the best of Jacksonville living.

Cost to own

Mortgage calculator

Home Price

$499,900

Down Payment: 20%

$99,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,549

Principal & Interest: $2,549

Property taxes (est.): $816

Insurance (est.): $333

Estimated Total Monthly

$3,698

*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$2,549

Property taxesest. at asking price, Duval County$816

HOAbilled semi-annually$20

Estimated total, before insurance$3,385/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,222/yr · $685/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: $445,000 in May 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$442,819	$442,819	—
2024	$445,694	$445,694	▼ $2,221
2023	$385,397	$385,397	—
2022	$338,244	$226,232	—
2021	$273,041	$218,041	—
2020	$253,345	$200,223	—

2025 property taxes (current owner): $8,222/yr

Estimated taxes if purchased at asking price: ~$9,800/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.