Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville.

Photo 1 / 29
Sold

Sold·Closed Sep 18, 2026·15 days on market·Recent sales in Jacksonville

3455 Thornhill Drive

Jacksonville, FL 32277

$166,600sold priceListed at $209,900 · 79.4% of asking$105/sqftMLS# 2159625
3
Beds
2
Baths
1,589
Sq Ft
1963
Built
—
Garage
No
Pool
FEMA Zone XNo HOA14,375 sqft lotSingle Family Residence1 story

About this home

Jacksonville

INVESTOR ALERT!!!! LOCATION LOCATION LOCATION!!! LARGE 1589 SF FORT CAROLINE CLUB ESTATES 3/2 HANDYMAN SPECIAL APPEARS TO HAVE PLENTY OF BACKEND EQUITY POTENTIAL!!! BEAUTIFUL .33 ACRE PARKLIKE PROPERTY!!! According to Building Department records, NEW AC INSTALLED 2021. With a strong rental market in the area, this one should offer a TREMENDOUS long term WEALTH BUILDING OPPORTUNITY as part of a rental portfolio! In addition, could be a great candidate for a BUY FIX SELL project for a seasoned rehabber/investor. Prime FORT CAROLINE CLUB ESTATES LOCATION. Corporate Seller is looking for CASH or Hard Money as property is being sold AS-IS with SELLER TO MAKE NO REPAIRS. Property will be vacant at closing.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$923
Property taxesest. at asking price, Duval County$272
Estimated total, before insurance$1,195/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,962/yr · $164/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$166,600
$33,320
Loan Term
Monthly Payment
$923
Principal & Interest: $923
Property taxes (est.): $272
Insurance (est.): $111
Estimated Total Monthly
$1,306
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 1963)

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: ~1,378 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,962/yr

Estimated taxes if purchased at asking price: ~$3,300/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

  • Sep 18, 2026Closed$209,900
  • Aug 26, 2026Pending$209,900
  • Aug 22, 2026Price change$209,900−$20,000
  • Aug 11, 2026Listed$229,900

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 $187/sq ft; this home is listed at $132/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3509 Rogero Road, Jacksonville, FL 32277Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$223,000$1873/21,1922370.2
6204 Diane Road, Jacksonville, FL 32277Listed by WATSON REALTY CORPSep 2026$304,000$1763/21,7301150.2
6119 Shetland Road, Jacksonville, FL 32277Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSOct 2026$256,000$1903/21,345380.3
3139 Cesery Boulevard, Jacksonville, FL 32277Listed by PLATINUM CHOICE REALTY LLCSep 2026$245,000$1963/21,251260.5
3730 Cherokee Villa, Jacksonville, FL 32277Listed by REALHOME SERVICES AND SOLUTIONS INCSep 2026$115,500$934/21,240130.6
3517 Cesery Boulevard, Jacksonville, FL 32277Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$292,000$1763/21,6602400.6

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.

Features

Price$209,900
Price / Sq Ft$132
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,589
Acres0.33 acres
Year Built1963
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address3455 Thornhill Drive, Jacksonville, FL 32277
Area041-Arlington
SubdivisionFt Caroline Club Est
CityJacksonville
CountyDuval
StateFL
Zip Code32277
Lot Size14,374.8 sq ft
Parcel Number1119380000

Amenities

UtilitiesSewer Connected, Water Connected
Water SourcePublic
ParkingOff Street

Interior

AppliancesDishwasher, Electric Range, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1

Additional Information

Date ListedAugust 11, 2026
Days on Market15
Tax Amount$1,962.16
Tax Year2025
Listing TermsCash
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: AMERICAN REAL ESTATE SOLUTIONS 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 18, 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

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines