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This home is in Jacksonville — a waterfront home in Jacksonville.

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Active

Active·55 days on market

3506 Shiner Drive

Jacksonville, FL 32226

$433,000$172/sqftEst. $2,224/moMLS# 2150579

Beds

Baths

2,517

Sq Ft

2019

Built

Garage

Pool

About this home

Jacksonville

Welcome to this beautiful 5-bedroom + Office + Loft/Flex Room in the sought-after Alta Lakes community. Built in 2019 and situated on one of the largest lots in the neighborhood at nearly 0.4 acres, this exceptional property offers over 2,517 square feet of thoughtfully designed living space with breathtaking panoramic pond views. Inside, you'll find a versatile floor plan featuring a private first-floor bedroom and full bath, ideal for guests, multi-generational living, or an in-law suite. A dedicated office with double doors provides the perfect work-from-home space, while the spacious upstairs loft offers endless possibilities for a media room, playroom, or second living area. This home has been extensively upgraded. The original carpet has been replaced with beautiful hardwood flooring, creating a clean and elegant look. Additional updates include a newer HVAC system, a one-year-old dishwasher, and a new washer and dryer.

Cost to own

Mortgage calculator

Home Price

$433,000

Down Payment: 20%

$86,600

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,224

Principal & Interest: $2,224

Property taxes (est.): $707

Insurance (est.): $289

Estimated Total Monthly

$3,219

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,224

Property taxesest. at asking price, Duval County$707

HOAbilled annually$8

Estimated total, before insurance$2,939/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,239/yr · $687/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: $410,000 in October 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$342,382	$286,660	—
2024	$333,982	$278,982	▲ $17,265
2023	$367,892	$317,892	—
2022	$335,884	$335,884	▲ $27,345
2021	$242,561	$182,273	—
2020	$229,067	$179,067	▼ $3,000

2025 property taxes (current owner): $8,239/yr

Estimated taxes if purchased at asking price: ~$8,500/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.

Hurricane evacuation zone D

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

Roof: Shingle — year not disclosed (home built 2019)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,773 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.

History

Price & status history

Jul 29, 2026Price change$433,000−$5,000
Jun 28, 2026Listed$438,000

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

Features

Price$433,000

Price / Sq Ft$172

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,517

Total Structure Area3,045 sq ft

Acres0.40 acres

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

StyleMulti Generational, Traditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryNew Berlin

MiddleOceanway

HighFirst Coast

Community Information

Address3506 Shiner Drive, Jacksonville, FL 32226

Area096-Ft George/Blount Island/Cedar Point

SubdivisionAlta Lakes

CityJacksonville

CountyDuval

StateFL

Zip Code32226

Lot Size17,424 sq ft

Parcel Number1084390610

ZoningSingle Family

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Fitness Center, Pickleball, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage, Garage Door Opener

ViewPond, Water

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Eat-in Kitchen, Entrance Foyer, Guest Suite, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Range, Microwave, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringLaminate

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Upper Level