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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 pool home in Jacksonville.

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Sold

Sold·Closed Aug 20, 2026·3 days on market·Recent sales in Jacksonville

4533 Monument Point Circle

Jacksonville, FL 32225

$410,000sold priceListed at $399,000 · 102.8% of asking$212/sqftMLS# 2155546
4
Beds
2
Baths
1,930
Sq Ft
1977
Built
2
Garage
Yes
Pool
FEMA Zone XHOA $4/mo12,197 sqft lotSingle Family Residence1 story

About this home

Jacksonville

Welcome to this beautiful POOL HOME in in sought after Monument Point. Major updates include New Roof (2024) with transferable 20-year warranty, gutters, front and back doors, water softener, chimney and fireplace with metal surround (2025) and pool pump (2026). This home features formal living and dining rooms, with a great room highlighted by vaulted ceilings and natural lighting form the skylights. The backyard is the perfect retreat for year-round enjoyment, and the playset can be included if desired. With so many significant improvements completed, this home is move-in ready!

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$2,271
Property taxesest. at asking price, Duval County$669
HOAbilled annually$4
Estimated total, before insurance$2,944/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,098/yr · $341/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

$410,000
$82,000
Loan Term
Monthly Payment
$2,271
Principal & Interest: $2,271
Property taxes (est.): $670
Insurance (est.): $273
Estimated Total Monthly
$3,214
*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.

Hurricane evacuation zone B

Zone B evacuates after zone A in an approaching storm.

Roof: material not specified — 2024 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: ~1,112 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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): $4,098/yr

Estimated taxes if purchased at asking price: ~$8,000/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

  • Aug 21, 2026Closed$399,000
  • Aug 3, 2026Pending$399,000
  • Jul 17, 2026Active Under Contract$399,000
  • Jul 15, 2026Listed$399,000

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 $234/sq ft; this home is listed at $207/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4647 Bluff Avenue, Jacksonville, FL 32225Listed by FLUID REALTY, LLC.Aug 2026$375,000$2034/21,84520.1
4432 Hartman Road, Jacksonville, FL 32225Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTAug 2026$395,000$1664/2.52,38030.4
4276 Stratford Way, Jacksonville, FL 32225Listed by LA ROSA REALTY NORTH FLORIDA, LLC.Aug 2026$529,000$2183/22,429550.4
11341 Woodsong Loop N, Jacksonville, FL 32225Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$513,500$2343/22,19430.6
11636 Brush Ridge Circle N, Jacksonville, FL 32225Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYAug 2026$385,000$2343/21,643210.7
4423 Woodsong Loop W, Jacksonville, FL 32225Listed by RE/MAX SPECIALISTSJul 2026$579,000$2834/32,045230.7

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$399,000
Price / Sq Ft$207
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,930
Acres0.28 acres
Year Built1977
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontNo

Community Information

Address4533 Monument Point Circle, Jacksonville, FL 32225
Area042-Ft Caroline
SubdivisionMonument Point
CityJacksonville
CountyDuval
StateFL
Zip Code32225
Lot Size12,196.8 sq ft
Parcel Number1606830138

Amenities

UtilitiesElectricity Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesEntrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Electric Water Heater, Ice Maker, Microwave, Water Softener Owned
HeatingElectric
CoolingCentral Air
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
Window FeaturesSkylight(s)
SecuritySecurity System Owned

Exterior

Patio / PorchPatio
ConstructionBrick
Other StructuresShed(s)
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJuly 15, 2026
Days on Market3
HOA Fees$45 / Annually
HOA FrequencyAnnually
HOA NameMonument Point
Tax Amount$4,097.5
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: LINDA STRICKLAND 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 20, 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.

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20+ years · 500+ closings · NE Florida

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