This home is in Jacksonville.

1 / 17

Active

Active·40 days on market

3970 Whippoorwill Holler Lane 312

Jacksonville, FL 32217

$297,000$167/sqftEst. $1,514/moMLS# 2150888

Beds

Baths

1,782

Sq Ft

2024

Built

Garage

Pool

About this home

Jacksonville

This beautiful in-unit Irving townhome by Lennar features 3 bedrooms, 3 baths, a comfy loft, and a 1-car garage. The kitchen includes 42'' white cabinets, white quartz countertops, and Frigidaire stainless steel appliances range, microwave, dishwasher, and refrigerator. Ceramic wood-look tile runs through wet areas and main living spaces. Additional features include window blinds throughout and sprinkler system. Backed by a one-year builder warranty, dedicated customer service, and 24-hour emergency support. This nice area offers a prime location with easy access to both downtown and the beaches, while maintaining a peaceful, suburban feel. Residents enjoy scenic riverfront views, established neighborhoods with mature trees, quality schools, and convenient proximity to shopping, dining, and major roadways. Enjoy the savings! Hardwick Farms community offers all the charm and no CDD fees.

Cost to own

Mortgage calculator

Home Price

$297,000

Down Payment: 20%

$59,400

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,514

Principal & Interest: $1,514

Property taxes (est.): $485

Insurance (est.): $198

Estimated Total Monthly

$2,197

*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$1,514

Property taxesest. at asking price, Duval County$485

HOAbilled monthly$188

Estimated total, before insurance$2,187/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$255,087	$255,087	▲ $26,739
2024	$50,000	$50,000	—

Estimated taxes if purchased at asking price: ~$5,800/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.

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: material not specified — year not disclosed (home built 2024)

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

Solar potential: ~1,797 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