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

This home is in Jacksonville a pool home in Jacksonville.

Active

Active·1 day on market

320 Scarlet Bugler Lane S 4

Jacksonville, FL 32225

$469,999$217/sqftEst. $2,419/moMLS# 2160059
4
Beds
2
Baths
2,163
Sq Ft
1991
Built
2
Garage
Yes
Pool

About this home

Jacksonville

Welcome to your own private Florida retreat, tucked away on a quiet cul-de-sac in sought-after Hickory Creek. This solid brick home offers more than 2,100 square feet of inviting living space, thoughtfully designed for comfortable everyday living and effortless entertaining. Step outside to a resort-style screened pool oasis featuring a private in-ground pool, expansive screened enclosure, and generous covered patio areas that are perfect for relaxing, dining, or entertaining year-round. The spacious floor plan, substantial brick construction, and generous homesite provide exceptional privacy and a timeless sense of quality. Additional highlights include a 2-car attached garage, multiple indoor and outdoor gathering spaces, and a convenient East Arlington location with easy access to shopping, dining, parks, major roadways, and Jacksonville's beaches. A rare opportunity to enjoy space, privacy, and true indoor-outdoor Florida living in an established neighborhood.

Cost to own

Mortgage calculator

$469,999
$94,000
Loan Term
Monthly Payment
$2,419
Principal & Interest: $2,419
Property taxes (est.): $767
Insurance (est.): $313
Estimated Total Monthly
$3,500
*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$2,419
Property taxesest. at asking price, Duval County$767
HOAbilled monthly$8
Estimated total, before insurance$3,194/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,418/yr · $702/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): $8,418/yr

Estimated taxes if purchased at asking price: ~$9,200/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1991)

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

Solar potential: ~1,798 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

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 13, 2026Listed$469,999

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

Features

Price$469,999
Price / Sq Ft$217
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,163
Total Structure Area2,163 sq ft
Acres0.25 acres
Year Built1991
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Screen Enclosure
Is WaterfrontNo
Direction FacesEast

School Information

ElementaryAbess Park
MiddleLandmark

Community Information

Address320 Scarlet Bugler Lane S 4, Jacksonville, FL 32225
Area043-Intracoastal West-North Of Atlantic Blvd
SubdivisionHickory Creek
CityJacksonville
CountyDuval
StateFL
Zip Code32225
Lot Size10,890 sq ft
Lot Dimensions1/4 to 1/2 Acre Lot
Parcel Number1622247985

Amenities

AmenitiesMaintenance Grounds
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesCeiling Fan(s), Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringTile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1
LevelsOne and One Half
LaundryLower Level
SecuritySmoke Detector(s)

Exterior

Lot DescriptionCul-De-Sac
Patio / PorchCovered, Glass Enclosed, Patio, Porch, Screened
FencingFenced, Back Yard
RoofShingle
ConstructionBrick

Additional Information

Date ListedAugust 13, 2026
Days on Market104
HOA Fees$8 / Monthly
HOA FrequencyMonthly
HOA NameHickory Creek Homeowneers Association
HOA Fee IncludesMaintenance Grounds
Tax Amount$8,418.34
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: UNITED REALTY GROUP

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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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.

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