This home is in Isle of Palms, Jacksonville — a waterfront home in Jacksonville.
Sold·Closed Jul 31, 2026·9 days on market·Recent sales in Isle of Palms·Isle of Palms
3831 Luth Drive E
Jacksonville, FL 32250
14 more homes for sale in Isle of Palms →Search Isle of Palms on the map
About this home
Isle of Palms
Breathtaking marsh-front views to the Intracoastal Waterway are the highlight of this home, ideally located just minutes from the beaches & The Mayo Clinic. Enjoy your morning coffee from a 2nd story balcony while taking in stunning sunrises, incredible birdwatching, and the peaceful beauty of being on the marsh. The large, fully fenced backyard provides plenty of room to relax, entertain, or simply enjoy nature. Luxury vinyl plank flooring runs throughout the home. The home offers 3 spacious bedrooms, generous closet space, and great storage throughout. The garage features an overhead storage area with additional space for all your gear and seasonal items. Recent updates include a 2022 roof and 2019 HVAC system. A transferable termite bond provides added peace of mind. This property is not located in a flood zone, allowing you to enjoy the incredible marsh and Intracoastal with no worries.
Next steps in Isle of Palms
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
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: ~1,488 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 homeAs 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.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:25 AM, sunset 6:59 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
- The front of the home carries the hot western afternoon instead of your living space.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $447,683 | $304,456 | ▲ $40,000 |
| 2024 | $408,324 | $295,169 | ▲ $9,869 |
| 2023 | $409,235 | $285,116 | — |
| 2022 | $325,356 | $275,356 | — |
| 2021 | $284,341 | $284,341 | — |
| 2020 | $269,781 | $269,781 | ▲ $10,000 |
2025 property taxes (current owner): $5,949/yr
Estimated taxes if purchased at asking price: ~$10,700/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.
History
Price & status history
- Jul 31, 2026Closed$547,500
- Jun 24, 2026Listed$547,500
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $347/sq ft; this home is listed at $333/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3943 Eunice Road, Jacksonville, FL 32250Listed by STA REALTY | Sep 2026 | $630,000 | $353 | 3/2 | 1,787 | 29 | 0.2 |
| 4466 Grassey Cay Lane, Jacksonville, FL 32224Listed by SEFAIR INVESTMENTS, INC. | Sep 2026 | $363,600 | $264 | 3/2 | 1,376 | 4 | 0.9 |
| 14396 Aqua Vista Road N, Jacksonville, FL 32224Listed by SOMEDAY HOMES REALTY, LLC. | Aug 2026 | $499,000 | $347 | 4/2.5 | 1,436 | 3 | 1.1 |
| 3042 Farrington Street, Jacksonville, FL 32224Listed by FLUID REALTY, LLC. | Sep 2026 | $400,000 | $255 | 4/2 | 1,567 | 1 | 1.2 |
| 2679 Treasure Cove Lane, Jacksonville, FL 32224Listed by HOME SOLD REALTY LLC | Sep 2026 | $518,000 | $264 | 3/2 | 1,965 | 2 | 1.7 |
| 1031 24th Street N, Jacksonville Beach, FL 32250Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $575,000 | $413 | 3/2 | 1,393 | 101 | 1.8 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL REALTY
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Isle of Palms
Isle of Palms is a neighborhood in Jacksonville Beach, FL (Duval County), ZIP 32250.
View all Isle of Palms homes for sale →Keep looking
More homes in Isle of Palms
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 31, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
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