This home is in Jacksonville.
$280,000Sold3 bd · 2 ba · 1,448 sq ft
Sold·Closed Nov 3, 2026·32 days on market·Recent sales in Jacksonville
3902 Hunters Lake Circle W
Jacksonville, FL 32210
About this home
Jacksonville
NOW FHA ELIGIBLE !!! Welcome home to this freshly updated 3-bedroom, 2-bath ALL BRICK home located in Hunters Lake! Built in 1998 and offering 1,448 sq. ft. on a .19-acre lot, this home features a desirable split-bedroom floor plan with separate living and dining areas, an eat-in kitchen, and a spacious covered rear patio overlooking the fenced backyard. Freshly painted inside and out, the home features white vinyl windows, blinds throughout, new ceiling fans, a new lighting package, and updated fixtures. The kitchen offers a breakfast bar, pantry, and stainless steel appliances, including refrigerator, stove, dishwasher, and microwave, all of which convey. The primary suite features walk-in closet space and a spacious bath with a soaking tub, separate shower, and two vanities. Fenced rear.
Next steps in Jacksonville
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 (that applies to the reference bill above too).
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 1998)
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: ~1,688 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.
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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
19th Ave Nabout 23 mi · 15 parking spaces
Closest park or preserve
Tillie K. Fowler Regional Parkabout 5 mi · 4 mi of trails
Closest public boat ramp
Curtis Lee Johnson Marina Park Public Boat Ramp (aka. Lighthouse Marina)about 3 mi · Cedar River
Closest kayak & paddleboard launch
Seminole Park Paddlecraft Accessabout 4 mi · Ortega River
Closest youth league fields
Mary Lena Gibbsabout 1 mi · Basketball
Closest grocery store
Publixabout 1 mi · 7628 103rd St, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $1,424/yr
Estimated taxes if purchased at asking price: ~$5,500/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.
History
Price & status history
- Nov 3, 2026Closed$285,900
- Sep 13, 2026Pending$285,900
- Aug 31, 2026Active$285,900
- Aug 27, 2026Pending$285,900
- Aug 8, 2026Listed$285,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $174/sq ft; this home is listed at $193/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3611 Paleface Place, Jacksonville, FL 32210Listed by ENRG GLOBAL REALTY, LLC | Oct 2026 | $289,000 | $171 | 3/2 | 1,691 | 54 | 0.3 |
| 3861 Winter Berry Road E, Jacksonville, FL 32210Listed by REAL BROKER LLC | Oct 2026 | $278,500 | $183 | 3/2 | 1,525 | 97 | 0.3 |
| 8222 Foxdale Drive, Jacksonville, FL 32210Listed by CHAD AND SANDY REAL ESTATE GROUP | Oct 2026 | $307,000 | $190 | 4/2 | 1,613 | 55 | 0.6 |
| 7322 Sharbeth Drive S, Jacksonville, FL 32210Listed by WATSON REALTY CORP | Oct 2026 | $213,000 | $174 | 3/2 | 1,222 | 39 | 0.7 |
| 8149 Justin Road, Jacksonville, FL 32210Listed by WHOLESALE REALTY LLC | Oct 2026 | $263,000 | $159 | 4/2 | 1,658 | 51 | 0.8 |
| 7044 Red Robin Drive Drive, Jacksonville, FL 32210Listed by ENTERA REALTY LLC | Oct 2026 | $179,000 | $174 | 3/2 | 1,026 | 99 | 1 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
Sold by: INI REALTY (buyer's brokerage)
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Nov 3, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
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