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Active

Active·61 days on market

3869 Marnie Place

Jacksonville, FL 32223

$520,000$214/sqftEst. $2,676/moMLS# 2150682

Beds

Baths

2,431

Sq Ft

1987

Built

Garage

Pool

About this home

Jacksonville

REDUCTED 20K!! SELLER MOTIVATED, WILL CONSIDER OFFERS! Beautifully maintained 4 bedroom brick custom built by Glen Reynolds. Located on a quiet cul-de-sac Soaring ceilings, hardwood floors & crown molding add to the light & airy elegance of this home! Spacious Family Rm. features high ceilings, built in book shelves & brick fireplace. Open floor plan flows from kitchen to breakfast nook to the family rm! Remodeled gourmet kitchen boasts a stainless steel double sink, solid surface counters & a large breakfast bar! Formal Living Rm. Master bedrm is split from the other 3 bedrms for privacy. Master bath boasts a tub with separate shower & walk-in closet. 3rd bedrm features french doors that lead to backyard. Relax on the huge patio and get back your weekends with a low maintenance backyard! New ductwork, tankless hot water heater, new 30k roof in 2022, A/C in 2017 & newer 40 amp electrical panel. Transferrable termite bond. Huge 3 door shed for extra storage. Close to shopping/schools!

Cost to own

Mortgage calculator

Home Price

$520,000

Down Payment: 20%

$104,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,676

Principal & Interest: $2,676

Property taxes (est.): $849

Insurance (est.): $347

Estimated Total Monthly

$3,872

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$2,676

Property taxesest. at asking price, Duval County$849

HOAbilled annually$13

Estimated total, before insurance$3,538/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,934/yr · $328/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	$409,111	$189,229	▼ $24,657
2024	$434,305	$183,189	—
2023	$391,545	$176,398	—
2022	$376,418	$169,804	—
2021	$284,401	$163,402	—
2020	$267,365	$160,456	—

2025 property taxes (current owner): $3,934/yr

Estimated taxes if purchased at asking price: ~$10,200/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 — 2022 per the listing

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

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: ~1,711 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.

History

Price & status history

Jul 25, 2026Price change$520,000−$20,000
Jun 15, 2026Listed$540,000

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

Features

Price$520,000

Price / Sq Ft$214

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,431

Acres0.24 acres

Year Built1987

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address3869 Marnie Place, Jacksonville, FL 32223

Area014-Mandarin

SubdivisionOldfield Point

CityJacksonville

CountyDuval

StateFL

Zip Code32223

Lot Size10,454.4 sq ft

Lot Dimensions89 X 118 X 121 X 147

Parcel Number1589265724

ZoningResidential

Amenities

UtilitiesElectricity Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

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

AppliancesDishwasher, Electric Oven, Microwave, Tankless Water Heater

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit

SecuritySmoke Detector(s)