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This home is in Cathedral Oaks, Jacksonville — a pool home in Jacksonville.

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Active

Active·2 days on market·Cathedral Oaks

3730 Cathedral Cove Road

Jacksonville, FL 32217

$875,000$333/sqftEst. $4,494/moMLS# 2159971

Beds

Baths

2,624

Sq Ft

1982

Built

Garage

Yes

Pool

About this home

Cathedral Oaks

**Showings begin 8/19/26** Meticulously maintained all-brick ranch pool home on .37 acres in desirable Cathedral Oaks, minutes from The Bolles School and perfectly located between San Marco and Mandarin. A large driveway, side-entry garage, and double-gated boat/RV pad with new covered A-frame welcome you home. Inside, an open floor plan flows to a lushly landscaped backyard, patio, and solar-heated pool -- ideal for entertaining. Major upgrades include a new split HVAC system, new water heater, new fencing, remodeled kitchen, gas fireplace, built-in wine bar and fresh paint, making this home truly move-in ready. The showstopper: a retractable sunroof over the patio, letting you enjoy the backyard oasis in full comfort even on hot Florida afternoons -- shade at the push of a button. Just bring your belongings, everything else is done!

Cost to own

Mortgage calculator

Home Price

$875,000

Down Payment: 20%

$175,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$4,494

Principal & Interest: $4,494

Property taxes (est.): $1,429

Insurance (est.): $583

Estimated Total Monthly

$6,506

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$4,494

Property taxesest. at asking price, Duval County$1,429

Estimated total, before insurance$5,922/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,788/yr · $649/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).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $7,788/yr

Estimated taxes if purchased at asking price: ~$17,100/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.

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: Shingle — year not disclosed (home built 1982)

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: ~1,759 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 19, 2026Active$875,000
Aug 13, 2026Listed$875,000

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

Features

Price$875,000

Price / Sq Ft$333

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,624

Acres0.37 acres

Year Built1982

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

# of Carport Spaces1

Has PoolYes

Pool FeaturesIn Ground, Salt Water

Is WaterfrontNo

Community Information

Address3730 Cathedral Cove Road, Jacksonville, FL 32217

Area012-San Jose

SubdivisionCathedral Oaks

CityJacksonville

CountyDuval

StateFL

Zip Code32217

Lot Size16,117.2 sq ft

Parcel Number1517000458

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAdditional Parking, Detached Carport, Garage Door Opener, RV Access/Parking, Other

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, In-Law Floorplan, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDisposal, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)