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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 The Wilderness, Jacksonville — a waterfront home in Jacksonville.

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Active

Active·45 days on market·The Wilderness

3331 Valpariso Way

Jacksonville, FL 32223

$849,000$267/sqftEst. $4,647/moMLS# 2161352
↓ $16,000 below original list
5
Beds
3
Baths
3,174
Sq Ft
1990
Built
2
Garage
Yes
Pool

4 more homes for sale in The Wilderness →Search The Wilderness on the map

FEMA Zone AENo HOA1.81 acresWaterfrontSingle Family Residence3 stories

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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

The Wilderness

A truly one of a kind property not to be missed! 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!

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$4,647
Property taxesest. at asking price, Duval County$1,386
Estimated total, before insurance$6,033/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$849,000
$169,800
Loan Term
Monthly Payment
$4,647
Principal & Interest: $4,647
Property taxes (est.): $1,386
Insurance (est.): $566
Estimated Total Monthly
$6,599
*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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1990)

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: ~1,578 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

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): $12,077/yr

Estimated taxes if purchased at asking price: ~$16,600/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

  • Aug 25, 2026Price change$849,000−$16,000
  • Aug 22, 2026Listed$865,000

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

Features

Price$849,000
Price / Sq Ft$267
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

Community FeaturesSidewalks, Street Lights, Curbs
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Garage, Other
ViewProtected Preserve, Trees/Woods, Water

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)

Exterior

Exterior FeaturesBalcony, Boat Lift, Dock, Other
Lot DescriptionCul-De-Sac, Irregular Lot, Wetlands
Patio / PorchCovered, Deck, Front Porch, Porch, Rear Porch, Side Porch, Wrap Around
FencingBack Yard
RoofShingle
ConstructionWood Siding
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedAugust 22, 2026
Days on Market24
Tax Amount$12,076.61
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS JACKSONVILLE

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.

The neighborhood

About The Wilderness

The Wilderness is a neighborhood in Mandarin, FL (Duval County), ZIP 32223.

View all The Wilderness homes for sale →

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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