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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 — a gated community home in Jacksonville.

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Active

Active·88 days on market

3671 Kirkpatrick Circle 15-2

Jacksonville, FL 32210

$109,900$95/sqftEst. $609/moMLS# 2155241
↓ $5,100 below original list
3
Beds
2
Baths
1,157
Sq Ft
2007
Built
—
Garage
No
Pool
FEMA Zone XHOA $435/moWaterfrontCondominium1 story

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville

Brand new HVAC! Welcome to this beautifully maintained 3-bedroom, 2-bath condo in the desirable Willow Ridge community! Filled with natural light, this inviting home offers a bright and airy layout that feels warm and welcoming from the moment you walk in. The spacious living and dining areas flow seamlessly, making everyday living and entertaining a breeze. Step outside to your private balcony, the perfect spot to enjoy your morning coffee or unwind at the end of the day. Conveniently located near shopping, dining, parks, and major roadways, this low-maintenance condo offers comfort, convenience, and easy living in a fantastic location.

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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$609
Property taxesest. at asking price, Duval County$179
HOAbilled monthly$435
Estimated total, before insurance$1,223/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,871/yr · $156/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

$109,900
$21,980
Loan Term
Monthly Payment
$609
Principal & Interest: $609
Property taxes (est.): $179
Insurance (est.): $73
Estimated Total Monthly
$861
*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 2007)

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: ~1,750 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,871/yr

Estimated taxes if purchased at asking price: ~$2,200/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, NEFMLS.

History

Price & status history

  • Sep 21, 2026Price change$109,900−$5,100
  • Jul 14, 2026Listed$115,000

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 $106/sq ft; this home is listed at $95/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3711 Kirkpatrick Circle 16-15, Jacksonville, FL 32210Listed by JASON MITCHELL REAL ESTATE FLORIDA, LLC.Jul 2026$115,000$993/21,1571180
3620 Kirkpatrick Circle 3, Jacksonville, FL 32210Listed by JWB REALTY LLCSep 2026$100,000$1062/29401620.1
3620 Kirkpatrick Circle 1, Jacksonville, FL 32210Listed by MAXREV, LLCAug 2026$113,000$983/21,157430.1
4333 Melissa Court W, Jacksonville, FL 32210Listed by PLENTI REALTY LLCJul 2026$78,571$672/21,17040.6
7653 Jana Lane S, Jacksonville, FL 32210Listed by EXP REALTY LLCSep 2026$132,600$1292/21,031470.7
6865 Misty View Drive, Jacksonville, FL 32210Listed by VENTURE DEVELOPMENT REALTYSep 2026$160,000$1142/2.51,40500.7

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.

Features

Price$109,900
Price / Sq Ft$95
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,157
Year Built2007
TypeResidential
Sub-TypeCondominium
StatusActive
Has PoolNo
Is WaterfrontYes

School Information

ElementaryGregory Drive
MiddleChaffee Trail
HighWestside High School

Community Information

Address3671 Kirkpatrick Circle 15-2, Jacksonville, FL 32210
Area063-Jacksonville Heights/Oak Hill/English Estates
SubdivisionWillow Ridge
CityJacksonville
CountyDuval
StateFL
Zip Code32210
Parcel Number0125100454

Amenities

AmenitiesPool, Playground
Community FeaturesSidewalks, Gated, Curbs
UtilitiesSewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAssigned
ViewLake
Waterfront TypeLake Front

Interior

Interior FeaturesPantry, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Exterior FeaturesBalcony
RoofShingle
Road SurfaceAsphalt

Additional Information

Date ListedJuly 14, 2026
Days on Market69
HOA Fees$435 / Monthly
HOA FrequencyMonthly
Tax Amount$1,871.08
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: UNITED REAL ESTATE GALLERY

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

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.

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