This home is in Jacksonville.

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Active

Active·13 days on market

3057 Donato Drive N

Jacksonville, FL 32226

$499,700$269/sqftEst. $2,660/moMLS# 2152241

Beds

Baths

1,857

Sq Ft

1981

Built

Jacksonville

About this home

Discover the ultimate waterfront lifestyle in this exceptional 4-bedroom, 2-bath home on a spacious gated lot with breathtaking marsh and water views. This unique property offers incredible flexibility for a variety of living arrangements. The main residence features multiple living areas, spacious bedrooms, and a flexible floor plan designed for comfortable living. Just off the dining room, a large enclosed screened sunroom provides year-round enjoyment and opens to a covered patio overlooking the private backyard retreat with a pool, fire pit, and stunning sunsets. The charming detached cottage includes a full kitchen and bath, ideal for multigenerational living, extended-stay guests, or a private home office. The oversized detached garage accommodates up to 4 vehicles or RV parking and offers ample storage for boats, recreational equipment, and a workshop. With direct water access for kayaking, fishing, and paddle boarding. This property delivers privacy and versatility.

Cost to own

Mortgage calculator

Home Price

$499,700

Down Payment: 20%

$99,940

Interest Rate: 7.00%

Loan Term

Monthly Payment

$2,660

Principal & Interest: $2,660

Est. Taxes & Insurance: $665

Estimated Total Monthly

$3,325

*Estimates based on 30-year loan at 7% APR. Actual payments 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 · 7.0% · 30yr$2,660

Property taxesest. at asking price, Duval County$816

Estimated total, before insurance$3,475/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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	$354,097	$303,375	—

2025 property taxes (current owner): $5,959/yr

Estimated taxes if purchased at asking price: ~$9,800/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 3,908 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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 1981)

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

Solar potential: ~1,412 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 home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History