This home is in Jacksonville — a waterfront home in Jacksonville.
$1,775,000Sold4 bd · 3.5 ba · 4,359 sq ft
Sold·Closed Sep 25, 2026·51 days on market·Recent sales in Jacksonville
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.
Next steps in Jacksonville
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).
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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Atlantic Blvdabout 14 mi · 50 parking spaces
Closest park or preserve
Reddie Point Preserveabout 5 mi · 1.2 mi of trails
Closest public boat ramp
Arlington Road Public Boat Rampabout 2 mi · St. Johns River
Closest kayak & paddleboard launch
Bee Street Park – Paddlecraft Accessabout 1 mi · Saint Johns River
Closest youth league fields
Cuba Hunter Parkabout 2 mi · Basketball
Closest grocery store
Publixabout 2 mi · 5858 Atlantic Blvd, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard and pool on the north side. Today at this address: sunrise 6:45 AM, sunset 5:35 PM.
- A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- Winter afternoons on the lanai run dim earlier than any other orientation.
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 | $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: ~$34,800/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.
History
Price & status history
- Oct 2, 2026Closed$1,870,000
- Aug 15, 2026Active Under Contract$1,870,000
- 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.
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 $372/sq ft; this home is listed at $407/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3845 Harbor Drive, Jacksonville, FL 32207Listed by REAL ESTATE HOME SALES INC | Oct 2025 | $850,000 | $195 | 4/3 | 4,359 | 1 | 0 |
| 1536 Mayfair Road, Jacksonville, FL 32207Listed by LPT REALTY LLC | Oct 2025 | $1,200,000 | $372 | 5/5 | 3,228 | 58 | 0.3 |
| 4626 River Point Road W, Jacksonville, FL 32207Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Aug 2026 | $4,250,000 | $760 | 5/5.5 | 5,595 | 66 | 0.5 |
| 4634 Empire Avenue, Jacksonville, FL 32207Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jul 2026 | $1,435,000 | $409 | 4/3 | 3,508 | 16 | 0.5 |
| 1111 Nicholson Road, Jacksonville, FL 32207Listed by NUVIEW REALTY | Aug 2026 | $1,100,000 | $331 | 3/3.5 | 3,324 | 122 | 0.6 |
| 1753 Jork Road, Jacksonville, FL 32207Listed by NAVY TO NAVY HOMES LLC | Sep 2026 | $465,000 | $129 | 3/3 | 3,594 | 1 | 1 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: REAL BROKER LLC
Sold by: REAL BROKER LLC (buyer's brokerage)
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 25, 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
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