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This home is in Jacksonville — a waterfront home in Jacksonville.

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Active

Active·Listed today

3331 Valpariso Way

Jacksonville, FL 32223

$865,000$273/sqftEst. $4,442/moMLS# 2161352

Beds

Baths

3,174

Sq Ft

1990

Built

Garage

Yes

Pool

About this home

Jacksonville

St. John's River access and a private dock with boat lift await! This incredible 4 bed/2 bath pool home with an additional full guest suite and bathroom in the basement has absolutely everything you could need for the perfect North Florida lifestyle. Sitting on over 1.8 acres of land that includes a beautiful, one of a kind boardwalk through protected wetlands, this property offers a split bed floor plan, huge common areas with vaulted ceilings, open kitchen with newly added pantry and updated stainless appliances, private entrance to the guest suite, an owner's suite balcony, private guest bedroom porch, covered front porch, and two levels of back decks with stunning views of the natural wildlife. Additional features include a screen-enclosed pool with a separate covered seating area for entertaining and an open patio for lounging, large garage with plenty of workspace, mudroom, additional parking areas, large yard, all on a cul-de-sac! This is truly where nature meets luxury.

Cost to own

Mortgage calculator

Home Price

$865,000

Down Payment: 20%

$173,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$4,442

Principal & Interest: $4,442

Property taxes (est.): $1,412

Insurance (est.): $577

Estimated Total Monthly

$6,431

*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$4,442

Property taxesest. at asking price, Duval County$1,412

Estimated total, before insurance$5,855/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$12,077/yr · $1,006/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): $12,077/yr

Estimated taxes if purchased at asking price: ~$16,900/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 1990)

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

Solar potential: ~1,578 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 22, 2026Listed$865,000

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

Features

Price$865,000

Price / Sq Ft$273

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage3,174

Acres1.81 acres

Year Built1990

TypeResidential

Sub-TypeSingle Family Residence

StyleMulti Generational, Other

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Screen Enclosure

Is WaterfrontYes

Community Information

Address3331 Valpariso Way, Jacksonville, FL 32223

Area014-Mandarin

SubdivisionThe Wilderness

CityJacksonville

CountyDuval

StateFL

Zip Code32223

Lot Size78,843.6 sq ft

Parcel Number1581361488

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage, Other

ViewProtected Preserve, Trees/Woods, Water

Waterfront TypeCanal Front, Creek, Navigable Water, River Access

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Entrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar, Other

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Water Softener Owned, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories3

LevelsMulti/Split, Three Or More

LaundryElectric Dryer Hookup, In Garage, Lower Level, Washer Hookup

Window FeaturesSkylight(s)

SecuritySmoke Detector(s)