This home is in Jacksonville — a waterfront home in Jacksonville.
Active·44 days on market
3845 Harbor Drive
Jacksonville, FL 32207
About this home
Jacksonville
3845 Harbor Drive presents a rare waterfront offering where a full-scale renovation, elevated finishes, and exceptional entertaining spaces come together to create the St. Johns River lifestyle you've been searching for. The home showcases an organic modern design aesthetic with warm contemporary influences, blending clean architectural lines, soft neutral tones, natural textures, designer lighting, and brass accents. Reimagined from top to bottom, this residence balances refined design, thoughtful functionality, and major system updates. The gourmet kitchen is a statement space with upgraded high-end appliances, a prep sink, generous workspace, designer lighting, and seamless flow into the living and dining areas. With private dock access, 85 feet of frontage, and a private pond, Harbor Drive offers more than a beautifully renovated home. It delivers a rare waterfront lifestyle with unique access to boating, dining, downtown Jacksonville, and the best of Northeast Florida living.
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $800,943 | $800,943 | — |
| 2024 | $744,118 | $744,118 | ▼ $207 |
| 2023 | $827,860 | $827,860 | ▲ $20,581 |
| 2022 | $783,818 | $783,818 | ▼ $17,713 |
| 2021 | $870,101 | $712,624 | — |
| 2020 | $848,061 | $702,095 | — |
2025 property taxes (current owner): $14,624/yr
Estimated taxes if purchased at asking price: ~$36,600/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 3,305 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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 2003)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water from JEA per the county inventory.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,686 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 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.
History
Price & status history
- Jul 23, 2026Price change$1,870,000−$100,000
- Jun 24, 2026Listed$1,970,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: REAL BROKER LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines