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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.

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Active

Active·46 days on market

3057 Shady Drive

Jacksonville, FL 32257

$429,900$135/sqftEst. $2,353/moMLS# 2161068
↓ $20,000 below original list
4
Beds
4
Baths
3,183
Sq Ft
1973
Built
2
Garage
Yes
Pool
FEMA Zone XNo HOA0.41 acresSingle Family Residence1 story

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 333-8595 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville

Come explore this brick home situated on a generously sized lot in Beauclerc Gardens. This property offers a spacious layout and significant renovation potential, providing an opportunity to bring your vision to the home. Features include a foyer entry, formal living room, separate dining area, additional living room with fireplace, oversized rear den, driveway with access to a side-entry garage, and an in-ground pool. The property is being sold strictly AS-IS, with the seller making no repairs or improvements. All inspections are for the buyer's informational purposes only. Buyer is responsible for conducting all desired due diligence regarding the property's condition and suitability.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.28% · 30yr$2,353
Property taxesest. at asking price, Duval County$702
Estimated total, before insurance$3,055/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,154/yr · $679/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

$429,900
$85,980
Loan Term
Monthly Payment
$2,353
Principal & Interest: $2,353
Property taxes (est.): $702
Insurance (est.): $287
Estimated Total Monthly
$3,342
*30-year loan at 7.28% APR (avg 30-yr rate 2026-10-01, 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 1973)

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

Likely septic · Public water · JEA

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: ~1,017 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): $8,154/yr

Estimated taxes if purchased at asking price: ~$8,400/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

  • Oct 1, 2026Price change$429,900−$5,100
  • Sep 24, 2026Price change$435,000−$2,000
  • Sep 18, 2026Price change$437,000−$500
  • Sep 10, 2026Price change$437,500−$1,500
  • Sep 3, 2026Price change$439,000−$900
  • Aug 28, 2026Price change$439,900−$10,000
  • Aug 20, 2026Listed$449,900

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

Features

Price$429,900
Price / Sq Ft$135
Bedrooms4
Bathrooms4.00
Full Baths4
Square Footage3,183
Acres0.41 acres
Year Built1973
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionFixer
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontNo

Community Information

Address3057 Shady Drive, Jacksonville, FL 32257
Area013-Beauclerc/Mandarin North
SubdivisionBeauclerc Gardens
CityJacksonville
CountyDuval
StateFL
Zip Code32257
Lot Size17,859.6 sq ft
Parcel Number1495910000

Amenities

UtilitiesElectricity Not Available
SewerSeptic Tank
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesEntrance Foyer
AppliancesNone
HeatingCentral
CoolingCentral Air
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne

Exterior

FencingBack Yard
ConstructionBrick
Road SurfaceAsphalt

Additional Information

Date ListedAugust 20, 2026
Days on Market42
Tax Amount$8,153.57
Tax Year2025
Listing TermsCash
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CORE REALTY, 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

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

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