This home is in Jacksonville — a golf course home in Jacksonville.
Sold·Closed Aug 10, 2026·10 days on market·Recent sales in Jacksonville
3953 Arbor Bluff Lane E
Jacksonville, FL 32225
About this home
Jacksonville
Welcome home to your own private retreat. This beautifully updated 4 bed, 2 bath home offers a resort inspired feel with calming tones, spa like bathrooms, and thoughtfully curated finishes throughout. The open concept layout creates an inviting flow for everyday living and entertaining, while the split bedroom design provides added privacy. Step outside to a spacious fenced backyard featuring granite pavers and a cozy firepit, ready for the next owner to make memories and add their personal touch. This house feels like a CUSTOM new build! Recent updates include a 2026 roof, 2026 A/C, a brand-new kitchen featuring quartz countertops and stainless-steel appliances, a luxurious primary bathroom with an oversized walk-in shower and extended double vanity, and a completely remodeled guest bathroom. Additional upgrades include fresh interior and exterior paint, updated light fixtures, and durable LVP flooring throughout. This home has been renovated from top to bottom with quality finishes
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 — 2026 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,711 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 |
|---|---|---|---|
| 2024 | $282,853 | $96,266 | ▲ $12,378 |
| 2023 | $279,349 | $92,006 | — |
| 2022 | $239,952 | $87,870 | — |
| 2021 | $186,375 | $83,855 | — |
| 2020 | $181,386 | $82,007 | ▲ $11,426 |
2025 property taxes (current owner): $5,864/yr
Estimated taxes if purchased at asking price: ~$8,800/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 (2024), NEFMLS.
History
Price & status history
- Aug 10, 2026Closed$449,000
- Aug 7, 2026Pending$449,000
- Jul 16, 2026Active Under Contract$449,000
- Jul 10, 2026Price change$449,000−$16,000
- Jul 6, 2026Listed$465,000
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 $223/sq ft; this home is listed at $254/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3408 Cozumel Court, Jacksonville, FL 32225Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $279,900 | $223 | 3/2 | 1,255 | 2 | 0.2 |
| 11987 Arbor Lake Drive, Jacksonville, FL 32225Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $388,900 | $255 | 3/2 | 1,526 | 25 | 0.3 |
| 3329 Cancun Drive E, Jacksonville, FL 32225Listed by WATSON REALTY CORP | Sep 2026 | $285,000 | $192 | 3/2 | 1,485 | 5 | 0.4 |
| 11636 Brush Ridge Circle N, Jacksonville, FL 32225Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Aug 2026 | $385,000 | $234 | 3/2 | 1,643 | 21 | 0.4 |
| 11185 Ridgetop Lane, Jacksonville, FL 32225Listed by MOMENTUM REALTY | Sep 2026 | $240,000 | $173 | 3/2 | 1,390 | 43 | 0.7 |
| 11201 Mikris Drive S, Jacksonville, FL 32225Listed by ROOT REALTY LLC | Oct 2026 | $255,000 | $200 | 3/2 | 1,272 | 30 | 0.8 |
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: RIVER CITY RENTALS AND REALTY
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
This home sold on Aug 10, 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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
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