This home is in Jacksonville.
Active·2 days on market
4343 Monument Road
Jacksonville, FL 32225
About this home
Jacksonville
Welcome to this spacious and beautifully maintained 3-bedroom, 3-bathroom home offering approximately 2,484 sq. ft. of living space on a generous lot with NO HOA. This unique property offers plenty of space, flexibility, and features for comfortable living and entertaining. Step inside to a warm and inviting floor plan featuring a dedicated theater room, perfect for family movie nights, watching the big game, or creating your own entertainment space. The home also offers a spacious living area, comfortable bedrooms, and plenty of room for storage and hobbies. Outside, the seller has enhanced the front of the home with beautiful pavers, creating an attractive and welcoming entrance and adding to the property's curb appeal. The property also features a 3-car garage, workshop, screened patio, and RV/boat parking with convenient access or additional space. Some photos have been virtually staged/AI enhanced for marketing purposes. Buyer to verity actual condition and contents during showing
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 | $534,187 | $356,339 | — |
| 2024 | $497,451 | $345,589 | ▲ $12,651 |
| 2023 | $484,513 | $191,556 | — |
| 2022 | $361,786 | $184,521 | — |
| 2021 | $309,826 | $177,691 | — |
| 2020 | $276,171 | $174,548 | — |
Estimated taxes if purchased at asking price: ~$16,700/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: material not specified — year not disclosed (home built 2001)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Public water (record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,558 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 11, 2026Listed$850,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: 27NORTH REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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