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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville.

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Active

Active·95 days on market

2386 Tyson Lake Drive

Jacksonville, FL 32221

$289,995$169/sqftEst. $1,606/moMLS# 2154207
↓ $10,000 below original list
3
Beds
2
Baths
1,715
Sq Ft
2005
Built
2
Garage
No
Pool
FEMA Zone XHOA $33/mo0.41 acresSingle Family Residence1 story

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About this home

Jacksonville

Discover the potential in this charming 3BR/2BA home in the peaceful Adams Lake subdivision. Enjoy a bright, open layout and a relaxing lakefront view perfect for morning coffee or evening sunsets. The home includes a 2 car garage and a comfortable floor plan ready for your updates and improvements. Adams Lake offers a welcoming community atmosphere with easy access to everyday conveniences. A great opportunity for buyers seeking a home with character and room to grow.

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,606
Property taxesest. at asking price, Duval County$474
HOAbilled annually$33
Estimated total, before insurance$2,113/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,397/yr · $366/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, 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

$289,995
$57,999
Loan Term
Monthly Payment
$1,606
Principal & Interest: $1,606
Property taxes (est.): $474
Insurance (est.): $193
Estimated Total Monthly
$2,273
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

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 2005)

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: ~1,738 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 home

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 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.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:27 AM, sunset 7:01 PM.

  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
  • The front of the home carries the hot western afternoon instead of your living space.

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

Last sold: $278,200 in September 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2024$224,517$224,517▼ $3,000
2023$236,277$50,229—
2022$216,832$47,310▲ $7,941
2021$156,994$44,476—
2020$141,359$43,172—

2025 property taxes (current owner): $4,397/yr

Estimated taxes if purchased at asking price: ~$5,700/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 (2024), NEFMLS.

History

Price & status history

  • Aug 18, 2026Price change$289,995−$10,000
  • Jul 7, 2026Listed$299,995

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 $169/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
11716 Parker Lakes Drive, Jacksonville, FL 32221Listed by CHAD AND SANDY REAL ESTATE GROUPAug 2026$275,000$1793/21,534160.2
11614 Carson Lake Drive W, Jacksonville, FL 32221Listed by WHOLESALE REALTY LLCJul 2026$299,900$1733/21,738520.2
11462 Carson Lake Drive, Jacksonville, FL 32221Listed by JPAR CITY AND BEACHOct 2026$283,000$1614/21,758300.3
11360 Songbird Lakes Court, Jacksonville, FL 32221Listed by UNITED REAL ESTATE GALLERYSep 2026$235,000$1263/21,863280.4
2047 April Oaks Drive, Jacksonville, FL 32221Listed by JPAR CITY AND BEACHAug 2026$272,000$1474/21,8561590.5
2531 Carson Oaks Drive, Jacksonville, FL 32221Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$295,000$1614/21,831100.5

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

Price$289,995
Price / Sq Ft$169
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,715
Total Structure Area0.41 sq ft
Acres0.41 acres
Year Built2005
TypeResidential
Sub-TypeSingle Family Residence
StyleA-Frame
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesWest

School Information

ElementaryChaffee Trail
MiddleChaffee Trail
HighBaldwin

Community Information

Address2386 Tyson Lake Drive, Jacksonville, FL 32221
Area065-Panther Creek/Adams Lake/Duval County-SW
SubdivisionAdams Lake
CityJacksonville
CountyDuval
StateFL
Zip Code32221
Lot Size17,859.6 sq ft
Lot Dimensions041
Parcel Number0020600795
ZoningResidential/Office

Amenities

AmenitiesNone
UtilitiesCable Available, Electricity Available, Sewer Connected, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesEat-in Kitchen, Open Floorplan, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Oven, Electric Water Heater, Freezer, Ice Maker, Microwave, Refrigerator
HeatingCentral, Electric, Hot Water
CoolingCentral Air, Electric
FlooringCarpet, Concrete, Laminate, Tile, Wood
# of Stories1
LevelsOne
Security24 Hour Security

Exterior

FencingBack Yard, Wood
RoofShingle
ConstructionFrame
Road SurfaceConcrete
Road FrontageCity Street

Additional Information

Date ListedJuly 7, 2026
Days on Market42
HOA Fees$400 / Annually
HOA FrequencyAnnually
HOA NameADAMS LAKE OWNERS ASSOCIATION, INC.
Tax Amount$4,396.69
Tax Year2025
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

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.

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

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