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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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Active

Active·1 day on market

4174 Victoria Lakes Drive W

Jacksonville, FL 32226

$465,000$168/sqftEst. $2,388/moMLS# 2158193
5
Beds
3
Baths
2,766
Sq Ft
2007
Built
2
Garage
Yes
Pool

About this home

Jacksonville

Welcome to this beautifully updated home offering the ultimate blend of modern upgrades and outdoor living in Victoria Lakes. Backing up to a peaceful lake and protected preserve, this home features a brand-new roof (2025), two updated air handler systems (2022), two updated heat pumps (2021), and a new water heater (2025). Step outside to your private backyard retreat, highlighted by an in-ground swimming pool added in July 2024 with a heat pump and heater powered by twin propane tanks added in September 2024. The exterior shines with refreshed landscaping, fresh power washing, and a massive 30x25-foot playground with natural, dye-free mulch. Inside, enjoy fresh interior paint and beautifully renovated bathrooms throughout. The primary suite boasts brand-new floor tile, tub nook tile, and a luxurious soaking tub, while the additional bathrooms feature stylish new tile and fresh paint. This move-in ready home is completely turn-key!

Cost to own

Mortgage calculator

$465,000
$93,000
Loan Term
Monthly Payment
$2,388
Principal & Interest: $2,388
Property taxes (est.): $759
Insurance (est.): $310
Estimated Total Monthly
$3,457
*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$2,388
Property taxesest. at asking price, Duval County$759
HOAbilled annually$53
Estimated total, before insurance$3,201/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,934/yr · $328/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

2025 property taxes (current owner): $3,934/yr

Estimated taxes if purchased at asking price: ~$9,100/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, 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 D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — 2025 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: ~1,761 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 August 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 20, 2026Active$465,000
  • Aug 1, 2026Listed$465,000

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

Features

Price$465,000
Price / Sq Ft$168
Bedrooms5
Bathrooms3.00
Full Baths3
Square Footage2,766
Acres0.23 acres
Year Built2007
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Fenced, Heated
Is WaterfrontYes

Community Information

Address4174 Victoria Lakes Drive W, Jacksonville, FL 32226
Area096-Ft George/Blount Island/Cedar Point
SubdivisionVictoria Lakes
CityJacksonville
CountyDuval
StateFL
Zip Code32226
Lot Size10,018.8 sq ft
Parcel Number1063755830

Amenities

AmenitiesPool, Clubhouse, Playground
UtilitiesElectricity Connected, Water Connected
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewProtected Preserve, Trees/Woods, Water
Waterfront TypePond

Interior

Interior FeaturesBreakfast Nook, Primary Bathroom -Tub with Separate Shower
AppliancesElectric Cooktop, Electric Oven, Electric Water Heater, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryUpper Level
SecuritySecurity System Owned, Smoke Detector(s), Other

Exterior

Exterior FeaturesFire Pit
Patio / PorchRear Porch, Screened
FencingFenced, Full
RoofShingle
Other StructuresGazebo

Additional Information

Date ListedAugust 20, 2026
Days on Market0
HOA Fees$640.5 / Annually
HOA FrequencyAnnually
HOA NameVictoria Lakes
HOA Fee IncludesMaintenance Grounds
Tax Amount$3,934.1
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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

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