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 Secret Cove, Jacksonville — a waterfront home in Jacksonville.

1 / 70

Active

Active·44 days on market·Secret Cove

3510 Hidden Lake Drive E

Jacksonville, FL 32216

$725,000$294/sqftEst. $3,739/moMLS# 2150199

Beds

Baths

2,469

Sq Ft

1978

Built

Garage

Pool

About this home

Secret Cove

***OPEN HOUSE SATURDAY 8/8 2PM-5PM. *** Experience lakefront living in the heart of Jacksonville. With expansive water views and direct access to a freshwater lake, this home offers a lifestyle that's rarely available this close to everything! Move-in ready home offering 4 bedrooms, 2.5 bathrooms and 2,469SqFt of thoughtfully updated living space on a generous 0.32-acre lot. Enjoy peaceful water views from the newly added covered and screened porch, or relax on the updated Trex deck overlooking the lake. The home has been extensively upgraded with a newer roof, newer electrical panel, updated ductwork, new attic insulation, new energy-efficient windows and doors, new interior paint, updated flooring, LED lighting, and custom window coverings. At the heart of the home is a beautifully remodeled chef's kitchen featuring quartz countertops with a quartzite island, Diamond and KraftMaid all-wood

Cost to own

Mortgage calculator

Home Price

$725,000

Down Payment: 20%

$145,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,739

Principal & Interest: $3,739

Property taxes (est.): $1,184

Insurance (est.): $483

Estimated Total Monthly

$5,406

*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$3,739

Property taxesest. at asking price, Duval County$1,184

HOAbilled voluntary$460

Estimated total, before insurance$5,383/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,696/yr · $475/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	$421,095	$288,508	▲ $11,532
2024	$409,942	$193,954	▼ $510
2023	$410,633	$186,849	—
2022	$398,565	$179,951	—
2021	$308,671	$173,254	▲ $15,467
2020	$286,584	$170,172	▲ $7,458

2025 property taxes (current owner): $5,696/yr

Estimated taxes if purchased at asking price: ~$14,200/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 1978)

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: ~1,098 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

Aug 5, 2026Price change$725,000−$10,000
Jul 25, 2026Active$735,000
Jul 12, 2026Active Under Contract$735,000
Jun 24, 2026Listed$735,000

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

Features

Price$725,000

Price / Sq Ft$294

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,469

Acres0.32 acres

Year Built1978

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address3510 Hidden Lake Drive E, Jacksonville, FL 32216

Area022-Grove Park/Sans Souci

SubdivisionSecret Cove

CityJacksonville

CountyDuval

StateFL

Zip Code32216

Lot Size13,939.2 sq ft

Parcel Number1543790384

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewLake, Water

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Water Heater, Gas Cooktop, Microwave, Refrigerator, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Vinyl

FireplaceYes

# of Fireplaces2

Fireplace FeaturesGas, Wood Burning

# of Stories1

LevelsOne

LaundryIn Unit