This home is in Jacksonville — a gated community home in Jacksonville.
Active Under Contract·19 days on market
3591 Kernan Boulevard S 323
Jacksonville, FL 33224
About this home
Jacksonville
1-car garage plus 2 extra open parking spaces. Garage is #509, detached and the open parking spaces are #409 (in front of the garage) and #105 (by the building). This beautiful 2nd floor 2/2 has an open floor plan, two suites layout, screened balcony with view to the green area between the buildings. Ceiling fan/lights, HVAC in 2016. Water, sewer, and the community trash services are provided by the HOA.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $158,000 | $151,680 | — |
| 2024 | $171,500 | $137,891 | — |
| 2023 | $171,500 | $125,356 | — |
| 2022 | $135,000 | $113,960 | — |
| 2021 | $103,600 | $103,600 | — |
| 2020 | $109,000 | $95,166 | ▲ $10,500 |
Estimated taxes if purchased at asking price: ~$3,200/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 (2025), 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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — year not disclosed (home built 2005)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely sewer · part of complex with utility sewer · Public water · part of complex with utility water
County records indicate this parcel on central sewer served by part of complex with utility sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,780 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 homeAs 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 19, 2026Active Under Contract$164,900
- Aug 5, 2026Listed$164,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MORGAN PROPERTY MANAGEMENT
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines