This home is in Isle of Palms, Jacksonville.

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Active·Listed today·Isle of Palms

3866 Luth Drive E

Jacksonville, FL 32250

$525,000$241/sqftEst. $2,669/moMLS# 2156182

Beds

Baths

2,180

Sq Ft

1976

Built

—

Garage

Pool

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

Cost to own

Mortgage calculator

Home Price

$525,000

Down Payment: 20%

$105,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,669

Principal & Interest: $2,669

Est. Taxes & Insurance: $667

Estimated Total Monthly

$3,336

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 6.55% · 30yr$2,669

Property taxesest. at asking price, Duval County$857

Estimated total, before insurance$3,526/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

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

Estimated taxes if purchased at asking price: ~$10,300/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1976)

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

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

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