Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Secret Cove, Jacksonville — a waterfront home in Jacksonville.

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Active Under Contract

Active Under Contract·2 days on market·Secret Cove

3331 Hidden Lake Drive W

Jacksonville, FL 32216

$650,000$217/sqftEst. $3,345/moMLS# 2158913

Beds

Baths

2,990

Sq Ft

1983

Built

Garage

Pool

About this home

Secret Cove

Wake up to breathtaking lakefront views and enjoy a lifestyle where every day feels like a getaway. Perfectly positioned along a scenic 23-acre freshwater lake, this beautifully updated home offers nearly 3,000 square feet of thoughtfully designed living space with the rare advantage of two private primary suites, making it ideal for multigenerational living, extended guests, or a private home office retreat. Designed for both everyday comfort and effortless entertaining, the spacious interior showcases beautiful Anderson hardwood flooring, an updated kitchen with quartz countertops, stainless steel appliances, and abundant cabinetry, along with beautifully renovated bathrooms and exceptional storage throughout. Expansive windows frame spectacular water views while filling the home with natural light. This 4 bed/2bath home flows beautifully throughout, optimizing lake views from almost every window in the home.

Cost to own

Mortgage calculator

Home Price

$650,000

Down Payment: 20%

$130,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$3,345

Principal & Interest: $3,345

Property taxes (est.): $1,061

Insurance (est.): $433

Estimated Total Monthly

$4,840

*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$3,345

Property taxesest. at asking price, Duval County$1,061

HOAbilled voluntary$450

Estimated total, before insurance$4,856/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 — 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 1983)

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: ~1,653 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