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This home is in Isle of Palms, Jacksonville.

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Sold

Sold·Closed Oct 20, 2026·74 days on market·Recent sales in Isle of Palms·Isle of Palms

3866 Luth Drive E

Jacksonville, FL 32250

$425,000sold priceListed at $515,000 · 82.5% of asking$195/sqftMLS# 2156182

Beds

Baths

2,180

Sq Ft

1976

Built

—

Garage

Pool

9 more homes for sale in Isle of Palms →Search Isle of Palms on the map

FEMA Zone XNo HOA11,326 sqft lotSingle Family Residence1 story

About this home

Isle of Palms

Welcome to Isle of Palms, a highly sought-after Jacksonville community prized for its peaceful residential setting and convenient access to the Intracoastal Waterway and Northeast Florida's beautiful coastal beaches. This single-story home offers 3 bedrooms, 2 bathrooms, and sits on a spacious 0.26-acre lot, providing a wonderful opportunity to enjoy a relaxed coastal lifestyle in a convenient Jacksonville location. Inside, the home offers a comfortable and functional layout with beautiful hardwood and tile flooring throughout. The inviting living spaces are enhanced by a cozy fireplace, creating a warm focal point for relaxing and entertaining. The kitchen is equipped with a double oven, electric range, dishwasher, refrigerator, and microwave, while the included washer and dryer add everyday convenience. With three bedrooms and two full bathrooms, the home offers flexibility for family, guests, a home office, or personal spaces. Outdoor living is an important part of the

Next steps in Isle of Palms

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$2,354

Property taxesest. at asking price, Duval County$694

Estimated total, before insurance$3,048/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,437/yr · $203/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).

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: Shingle — year not disclosed (home built 1976)

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: ~1,394 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Closest beach parking
7th Ave S
15 min drive · 27 parking spaces
Closest park or preserve
Dutton Island Preserve
18 min drive · 1.2 mi of trails
Closest public boat ramp
Oak Harbor Boat Ramp (Restricted to shallow draft boats)
about 6 mi · Atlantic ICW (Duval County)
Closest kayak & paddleboard launch
Cradle Creek Preserve Kayak Launch (Long Portage!)
about 1 mi · Cradle Creek - San Pablo Creek
Closest youth league fields
Wingate Park
9 min drive · Baseball, Softball, Lacrosse
Closest grocery store
Publix
4 min drive · 14444 Beach Blvd, Jacksonville

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,437/yr

Estimated taxes if purchased at asking price: ~$8,300/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

Oct 20, 2026Closed$515,000
Oct 8, 2026Active Under Contract$515,000
Sep 17, 2026Price change$515,000−$10,000
Jul 20, 2026Listed$525,000

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 $609/sq ft; this home is listed at $236/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
14526 Plumosa Drive, Jacksonville, FL 32250Listed by JWB REALTY LLC	Oct 2026	$1,100,000	$439	3/2.5	2,507	1	0.4
4148 Tideview Drive, Jacksonville, FL 32250Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS	Oct 2026	$1,175,000	$609	3/2	1,929	4	0.5
14803 Plumosa Drive, Jacksonville, FL 32250Listed by COASTAL REALTY JAX	Oct 2026	$1,650,000	$761	3/2	2,167	156	0.6
14645 Lagoon Drive, Jacksonville, FL 32250Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST	Oct 2026	$1,750,000	$731	4/3	2,395	2	0.7
4408 Tradewinds Drive, Jacksonville, FL 32250Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS	Oct 2026	$1,320,000	$495	4/4.5	2,665	156	0.8
13780 Harbor Creek Place, Jacksonville, FL 32224Listed by REAL BROKER LLC	Oct 2026	$640,000	$240	5/4	2,667	38	1.2

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$515,000

Price / Sq Ft$236

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,180

Acres0.26 acres

Year Built1976

TypeResidential

Sub-TypeSingle Family Residence

StatusClosed

# of Carport Spaces1

Has PoolNo

Is WaterfrontNo

School Information

This listingNo schools reported in the MLS

ElementarySeabreeze, reported on 23 other Isle Of Palms listings

MiddleDuncan Fletcher, reported on 19 other Isle Of Palms listings

HighDuncan Fletcher, reported on 24 other Isle Of Palms listings

County schoolsJacksonville Area Schools

ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address3866 Luth Drive E, Jacksonville, FL 32250

Area026-Intracoastal West-South Of Beach Blvd

SubdivisionIsle Of Palms

CityJacksonville

CountyDuval

StateFL

Zip Code32250

Lot Size11,325.6 sq ft

Parcel Number1803480304

Amenities

UtilitiesElectricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingCarport, Detached

Interior

Interior FeaturesKitchen Island

AppliancesDishwasher, Double Oven, Dryer, Electric Cooktop, Microwave, Refrigerator, Washer

HeatingElectric

CoolingElectric

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

# of Stories1

LevelsOne

LaundryIn Unit

Exterior

Lot DescriptionCorner Lot

Patio / PorchPatio, Porch, Rear Porch, Screened, Terrace

FencingBack Yard

RoofShingle

ConstructionBrick

Other StructuresShed(s)

Additional Information

Date ListedJuly 20, 2026

Days on Market74

Tax Amount$2,437.34

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: MOMENTUM REALTY

Sold by: FLUID REALTY, LLC. (buyer's brokerage)

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.

The neighborhood

About Isle of Palms

Isle of Palms is a neighborhood in Jacksonville Beach, FL (Duval County), ZIP 32250.

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