This home is in Jacksonville.
$597,0003 bd · 3 ba · 2,404 sq ft
Active·132 days on market
4388 Yacht Club Road
Jacksonville, FL 32210
See it this week
Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Classic Ortega charm meets exceptional craftsmanship in this beautifully built residence by renowned builder Ira Berger, featuring a thoughtfully designed MBR addition by Tom Trout. Ideally situated in one of Jacksonville's most sought-after neighborhoods and priced with room to make it your own. With 2,400 square feet of living space, the home features three bedrooms and three full baths, along with gracious living areas designed for both everyday comfort and entertaining. A welcoming foyer, living room, kitchen with quartz countertops, separate formal dining room, and bright sunroom provide abundant space to gather, while the family den located in the bedroom wing offers a comfortable retreat for relaxation. All new windows and original hardwood floors enhance the light and warmth of the home. Outside, enjoy a large patio and backyard setting, perfect for outdoor living and entertaining! Please see extensive list of updates to the home under documents.
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).
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 — 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 C
Zone C evacuates after zones A, B in an approaching storm.
Roof: material not specified — year not disclosed (home built 1951)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
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: ~1,665 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.
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, 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
19th Ave Nabout 19 mi · 15 parking spaces
Closest park or preserve
Tillie K. Fowler Regional Parkabout 1 mi · 4 mi of trails
Closest public boat ramp
Wayne B Stevens Parkabout 2 mi · Ortega River
Closest kayak & paddleboard launch
Seminole Park Paddlecraft Accessabout 1 mi · Ortega River
Closest youth league fields
Westside Middle School Parkabout 2 mi · Baseball, Softball, Football, Basketball, Soccer, Volleyball
Closest grocery store
Winn-Dixieabout 0.8 mi · 5647 Roosevelt 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
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 6:48 AM, sunset 5:33 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
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 | $510,920 | $194,689 | — |
| 2024 | $487,015 | $188,495 | ▲ $19,399 |
| 2023 | $458,669 | $181,549 | — |
| 2022 | $426,611 | $174,805 | — |
| 2021 | $327,728 | $168,258 | — |
| 2020 | $322,278 | $165,245 | — |
2025 property taxes (current owner): $4,031/yr
Estimated taxes if purchased at asking price: ~$11,700/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
- Oct 23, 2026Price change$597,000−$2,000
- Aug 14, 2026Price change$599,000−$50,000
- Jul 1, 2026Listed$649,000
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 $280/sq ft; this home is listed at $248/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5125 Arapahoe Avenue, Jacksonville, FL 32210Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Aug 2026 | $501,147 | $280 | 3/2 | 1,788 | 34 | 0.1 |
| 5001 Water Oak Lane, Jacksonville, FL 32210Listed by JANIE BOYD & ASSOCIATES REAL ESTATE SERVICES LLC | Aug 2026 | $565,450 | $274 | 4/2.5 | 2,066 | 33 | 0.2 |
| 5135 Pirates Cove Road, Jacksonville, FL 32210Listed by MILLER & COMPANY REAL ESTATE | Jul 2026 | $1,655,000 | $532 | 3/3.5 | 3,108 | 45 | 0.2 |
| 4268 Venetia Boulevard, Jacksonville, FL 32210Listed by JANIE BOYD & ASSOCIATES REAL ESTATE SERVICES LLC | Sep 2026 | $1,025,000 | $345 | 4/2.5 | 2,972 | 64 | 0.4 |
| 4727 Carlisle Road, Jacksonville, FL 32210Listed by CASTLEWISE REALTY GROUP, LLC. | Aug 2026 | $595,000 | $270 | 4/3 | 2,200 | 26 | 0.6 |
| 4238 Timuquana Road, Jacksonville, FL 32210Listed by NORVILLE REALTY INC | Jul 2026 | $365,000 | $190 | 3/2 | 1,920 | 39 | 0.7 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: NORVILLE REALTY INC
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.
Keep looking
Similar homes in Jacksonville
Explore the area
More in Jacksonville
Jacksonville guides & reports
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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines