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Active

Active·10 days on market

3506 Shiner Drive

Jacksonville, FL 32226

$438,000$174/sqftEst. $2,331/moMLS# 2150579

Beds

Baths

2,517

Sq Ft

2019

Built

Jacksonville

About this home

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

$438,000

Down Payment: 20%

$87,600

Interest Rate: 7.00%

Loan Term

Monthly Payment

$2,331

Principal & Interest: $2,331

Est. Taxes & Insurance: $583

Estimated Total Monthly

$2,914

*Estimates based on 30-year loan at 7% APR. Actual payments 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 · 7.0% · 30yr$2,331

Property taxesest. at asking price, Duval County$715

HOAbilled annually$8

Estimated total, before insurance$3,054/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$342,382	$286,660	—

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

Estimated taxes if purchased at asking price: ~$8,600/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 3,908 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Jun 28, 2026Listed$438,000

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

Features

Price$438,000

Price / Sq Ft$174

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, Wood

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Upper Level