Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville — a home near Atlantic Coast High School.

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Active

Active·12 days on market

3958 Baymeadows Road 4302

Jacksonville, FL 32217

$615,000$309/sqftEst. $3,158/moMLS# 2154661

Beds

Baths

1,988

Sq Ft

2020

Built

—

Garage

Pool

About this home

Jacksonville

Welcome to The Palazzo on Goodby's Creek. This beautifully appointed three-bedroom, two-bath residence offers private elevator access and breathtaking water views from the moment you enter. The open-concept floor plan features a modern kitchen with stainless steel appliances, including a Sub-Zero refrigerator and Wolf oven, beautiful tile flooring, and a spacious owner's suite with a spa-inspired bath. Expansive wraparound balconies provide the perfect setting to enjoy peaceful sunrise views over Goodby's Creek. Residents enjoy exceptional resort-style amenities, including a waterfront pool, fitness center, outdoor kitchen, private dock, and boat slips are available for purchase. Located within a gated community, The Palazzo offers convenient access to I-95, I-295, shopping, and dining, providing the perfect balance of tranquil waterfront living and everyday accessibility. Additional amenities include a tankless water heater, water softener, and gas fireplace

Cost to own

Mortgage calculator

Home Price

$615,000

Down Payment: 20%

$123,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$3,158

Principal & Interest: $3,158

Property taxes (est.): $1,004

Insurance (est.): $410

Estimated Total Monthly

$4,573

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.65% · 30yr$3,158

Property taxesest. at asking price, Duval County$1,004

HOAbilled monthly$1,572

Estimated total, before insurance$5,735/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,442/yr · $537/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2024	$424,000	$374,000	—
2023	$424,000	$374,000	—
2022	$424,000	$370,240	▲ $16,000
2021	$408,000	$358,000	—

2025 property taxes (current owner): $6,442/yr

Estimated taxes if purchased at asking price: ~$12,100/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.

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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 2020)

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

Solar potential: ~1,767 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.

History

Price & status history

Aug 11, 2026Price change$615,000+$15,000
Jul 30, 2026Active Under Contract$600,000
Jul 9, 2026Listed$600,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$615,000

Price / Sq Ft$309

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,988

Acres0.01 acres

Year Built2020

TypeResidential

Sub-TypeCondominium

StatusActive

# of Carport Spaces1

Has PoolNo

Is WaterfrontYes

School Information

ElementaryBeauclerc

MiddleAlfred Dupont

HighAtlantic Coast

Community Information

Address3958 Baymeadows Road 4302, Jacksonville, FL 32217

Area012-San Jose

SubdivisionThe Palazzo

CityJacksonville

CountyDuval

StateFL

Zip Code32217

Lot Size435.6 sq ft

Parcel Number1525571225

ZoningCondominium

Amenities

AmenitiesPool, Barbecue, Boat Slip, Clubhouse, Dog Park, Elevator(s), Fitness Center, Gated, Maintenance Grounds, Storage

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Assigned, Carport, Covered, Electric Vehicle Charging Station(s)

ViewWater

Waterfront TypeCreek

Interior

Interior FeaturesCeiling Fan(s), Elevator, Entrance Foyer, His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Oven, Gas Range, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air

FlooringTile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories3

LevelsOne

LaundryIn Unit

SecuritySecurity Gate, Smoke Detector(s)