This home is in Jacksonville.
Active·99 days on market
2282 Justin Lake Drive
Jacksonville, FL 32221
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Welcome to Adams Lake, a sought after community offering sidewalks, streetlights, and amenities including a club house, pool, playground, scenic lakes and a basketball court. This well maintained 3 bedroom, 2 bath home features an open concept layout, with formal living and dining rooms, a dedicated office and family room The kitchen is well equipped with granite countertops, white cabinetry, black appliances, a breakfast bar, and cafe. Conveniently located near the café and family room, this area is perfect for entertaining. The primary suite is spacious with a tray ceiling, walk in closet, and private bath with granite counter tops and a large tub shower combination. Two additional bedrooms provide added space for guest or activities. Outside, a lush yard and patio provide space to relax or entertain. Conveniently located near Normandy Blvd and I 295, this home offers easy access to shopping, dining, and schools. No CDD fees and low HOA dues make this home an exceptional value.
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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — year not disclosed (home built 2006)
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: ~1,769 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $268,118 | $78,572 | — |
| 2024 | $274,045 | $75,651 | ▼ $3,000 |
| 2023 | $288,265 | $71,992 | — |
| 2022 | $264,149 | $68,439 | ▲ $10,207 |
| 2021 | $191,566 | $64,990 | — |
| 2020 | $173,321 | $63,403 | — |
2025 property taxes (current owner): $1,923/yr
Estimated taxes if purchased at asking price: ~$6,700/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
- Jul 3, 2026Listed$340,000
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 $161/sq ft; this home is listed at $145/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 11360 Songbird Lakes Court, Jacksonville, FL 32221Listed by UNITED REAL ESTATE GALLERY | Sep 2026 | $235,000 | $126 | 3/2 | 1,863 | 28 | 0.2 |
| 2425 Adams Lake Boulevard, Jacksonville, FL 32221Listed by RE/MAX SPECIALISTS | Aug 2026 | $334,000 | $135 | 3/2.5 | 2,465 | 59 | 0.3 |
| 2531 Carson Oaks Drive, Jacksonville, FL 32221Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $295,000 | $161 | 4/2 | 1,831 | 10 | 0.3 |
| 11462 Carson Lake Drive, Jacksonville, FL 32221Listed by JPAR CITY AND BEACH | Oct 2026 | $283,000 | $161 | 4/2 | 1,758 | 30 | 0.5 |
| 2047 April Oaks Drive, Jacksonville, FL 32221Listed by JPAR CITY AND BEACH | Aug 2026 | $272,000 | $147 | 4/2 | 1,856 | 159 | 0.5 |
| 2023 Constitutional Republic Place, Jacksonville, FL 32221Listed by UNITED REAL ESTATE GALLERY | Jul 2026 | $299,000 | $162 | 3/2.5 | 1,847 | 39 | 0.6 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
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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Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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