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This home is in Jacksonville Beach — a pool home in Jacksonville.

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Active

Active·Listed today

4108 Duval Drive

Jacksonville Beach, FL 32250

$3,950,000$1398/sqftEst. $20,328/moMLS# 2158542

Beds

Baths

2,826

Sq Ft

1989

Built

Garage

Yes

Pool

About this home

Jacksonville Beach

Comfortable and coastal, this furnished home is in one of Northeast Florida's most relaxing enclaves, Duval Drive, worlds away yet close to everything, including beach access! Crisp lap siding elevates the classic exterior. A pergola-covered deck runs almost the length of the home, and a circular drive accomodates visitors. Through walls of glass on the home's first level, enjoy views of the beautiful surroundings: natural, private back yard, pool & spa, oversized decks (both screen-enclosed and open air). 102'-wide lot! Beamed cathedral ceilings, hardwood floors, walk-in closets, well-appointed bedroom suites (2 suites down including the primary, 1 suite up + 1 addititional bedroom), and easy flow inside and out are a few of the notable features. 400 sf of screened space expands the living area. The 572 sf garage holds lots of beach toys. Top contractors: Richard Forbis (original builder) and McAneny Builders (2015 renovations). Photos & private showings available by 8-14-26.

Cost to own

Mortgage calculator

Home Price

$3,950,000

Down Payment: 20%

$790,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$20,328

Principal & Interest: $20,328

Property taxes (est.): $6,450

Insurance (est.): $2,633

Estimated Total Monthly

$29,411

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$20,328

Property taxesest. at asking price, Duval County$6,450

Estimated total, before insurance$26,778/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.

Storms & insurance

Florida Reality Check

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

Zone X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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 1989)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,778 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 14, 2026Active$3,950,000
Aug 3, 2026Listed$3,950,000

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

Features

Price$3,950,000

Price / Sq Ft$1,398

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,826

Total Structure Area3,876 sq ft

Acres0.32 acres

Year Built1989

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary, Traditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Heated

Is WaterfrontNo

Community Information

Address4108 Duval Drive, Jacksonville Beach, FL 32250

Area212-Jacksonville Beach-SE

SubdivisionPonte Vedra

CityJacksonville Beach

CountyDuval

StateFL

Zip Code32250

Lot Size13,939.2 sq ft

Lot Dimensions102 x 147

Parcel Number1817150000

ZoningResidential

Amenities

UtilitiesElectricity Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingCircular Driveway, Garage

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Guest Suite, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s), Other

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Oven, Gas Cooktop, Microwave, Refrigerator, Washer, Wine Cooler

HeatingCentral, Heat Pump

CoolingCentral Air

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

# of Stories2

LevelsTwo

Spa FeaturesIn Ground, Heated