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Active

Active·45 days on market

3196 Shadow Creek Road

Jacksonville, FL 32226

$374,999$168/sqftEst. $2,002/moMLS# 2159561

Beds

Baths

2,236

Sq Ft

2004

Built

Garage

Pool

FEMA Zone XHOA $20/moSingle Family Residence1 story

About this home

Jacksonville

Welcome to 3196 Shadow Creek Rd, a spacious 4-bedroom, 2-bathroom home offering 2,236 sq. ft. of comfortable living space in Jacksonville's desirable Hickory Hills community. Situated at the end of a cul-de-sac, this home features generous living areas, abundant natural light, and a flexible layout ideal for everyday living and entertaining. Recent updates include fresh interior and exterior paint and new bathroom flooring. The kitchen offers ample cabinetry and essential appliances, while the spacious bedrooms provide comfortable retreats. An attached two-car garage adds convenient parking and storage, and the large yard provides plenty of space for entertaining, gardening, or outdoor activities. Enjoy a convenient location approximately 4 minutes from Sheffield Park, featuring kayaking, pickleball, basketball, and more, and just 8 minutes from River City Marketplace for shopping, dining, entertainment, and everyday essentials. This home is ready and waiting for its next owner!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$2,002

Property taxesest. at asking price, Duval County$612

HOAbilled annually$20

Estimated total, before insurance$2,634/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$374,999

Down Payment: 20%

$75,000

Interest Rate: 7.03%

Loan Term

Monthly Payment

$2,002

Principal & Interest: $2,002

Property taxes (est.): $612

Insurance (est.): $250

Estimated Total Monthly

$2,864

*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

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: material not specified — year not disclosed (home built 2004)

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

Sewer (public record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,742 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 11, 2026Listed$374,999

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

Features

Price$374,999

Price / Sq Ft$168

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,236

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address3196 Shadow Creek Road, Jacksonville, FL 32226

Area096-Ft George/Blount Island/Cedar Point

SubdivisionHickory Hills

CityJacksonville

CountyDuval

StateFL

Zip Code32226

Parcel Number1065785736

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

AppliancesDishwasher, Dryer, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

# of Stories1

Additional Information

Date ListedAugust 11, 2026

Days on Market15

HOA Fees$235.5 / Annually

HOA FrequencyAnnually

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: VREELAND REAL ESTATE LLC

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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