Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville — a gated community home in Jacksonville.

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Active

Active·60 days on market

319 Northside Drive S

Jacksonville, FL 32218

$399,000$168/sqftEst. $2,049/moMLS# 2151691

Beds

Baths

2,381

Sq Ft

2018

Built

Garage

Pool

About this home

Jacksonville

PRICE IMPROVEMENT! Discover the perfect balance of space and functionality in this beautifully maintained 4-bedroom, 3-bath home featuring an open-concept floor plan designed for comfortable everyday living and effortless entertaining. The spacious kitchen offers stainless steel appliances, a large granite island, and overlooks the main living area, creating a seamless flow throughout the home. The owner's suite features a tray ceiling, a spacious en-suite bath with a garden tub, separate walk-in shower, and a large walk-in closet. A rare 3-car garage provides ample space for vehicles, storage, or a workshop. Step outside to enjoy a screened lanai and custom paver patio with built-in seating, offering a comfortable outdoor space for relaxing or entertaining. Conveniently located across from the community amenities center and cluster mailboxes. Just minutes from I-295, Jacksonville International Airport, River City Marketplace, shopping, dining, and medical facilities.

Cost to own

Mortgage calculator

Home Price

$399,000

Down Payment: 20%

$79,800

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,049

Principal & Interest: $2,049

Property taxes (est.): $652

Insurance (est.): $266

Estimated Total Monthly

$2,967

*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$2,049

Property taxesest. at asking price, Duval County$652

HOAbilled quarterly$86

Estimated total, before insurance$2,787/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	$351,196	$0	—
2024	$352,654	$0	—
2023	$367,250	$0	—
2022	$343,133	$275,772	▲ $12,852
2021	$268,204	$268,204	—
2020	$255,011	$255,011	▲ $10,002

2025 property taxes (current owner): $384/yr

Estimated taxes if purchased at asking price: ~$7,800/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.

Hurricane evacuation zone E

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

Roof: Shingle — year not disclosed (home built 2018)

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

Solar potential: ~1,748 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 14, 2026Price change$399,000−$6,000
Jun 25, 2026Listed$405,000

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

Features

Price$399,000

Price / Sq Ft$168

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,381

Acres0.15 acres

Year Built2018

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Community Information

Address319 Northside Drive S, Jacksonville, FL 32218

Area092-Oceanway/Pecan Park

SubdivisionPine Lakes

CityJacksonville

CountyDuval

StateFL

Zip Code32218

Lot Size6,534 sq ft

Parcel Number1082351825

Amenities

AmenitiesPool, Fitness Center, Playground

UtilitiesElectricity Available, Electricity Connected, Sewer Available, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesGuest Suite, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric, Hot Water

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySecurity Gate, Smoke Detector(s)