This home is in Jacksonville — a gated community home in Jacksonville.
Pending·47 days on market
3865 Campenero Ct #8
Jacksonville, FL 32217
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Great location in the gated Colony at San Jose community! This 2-bedroom, 2-bath condo is conveniently located near top-rated schools, shopping centers, restaurants, Downtown Jacksonville, and the beaches. Community amenities include a fitness center, indoor heated pool, outdoor pool, clubhouse, and gated code access. The condo also features a large screened outdoor living area with a beautiful view, providing plenty of space to relax and enjoy the surroundings. This property also offers great investment potential, with tenants currently in place who would like to stay if permitted. A solid opportunity for an investor or future owner looking for a well-located condo with great amenities and easy access to everything Jacksonville has to offer.
Next steps in Jacksonville
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 1970)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,661 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 homeAs 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): $1,793/yr
Estimated taxes if purchased at asking price: ~$1,600/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
- Oct 7, 2026Pending$82,000
- Sep 27, 2026Price change$82,000−$7,000
- Aug 24, 2026Listed$89,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $59/sq ft; this home is listed at $72/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3865 Campenero Court 1, Jacksonville, FL 32217Listed by SPECTRUM REALTY SERVICES | Sep 2026 | $65,000 | $57 | 2/2 | 1,145 | 373 | 0 |
| 3878 La Mirada Drive N 3, Jacksonville, FL 32217Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $50,000 | $59 | 1/1 | 845 | 11 | 0 |
| 3857 Mission Drive 3, Jacksonville, FL 32217Listed by EXIT 1 STOP REALTY | Aug 2026 | $50,000 | $35 | 3/2 | 1,430 | 55 | 0.1 |
| 3857 Mission Drive 1, Jacksonville, FL 32217Listed by EAGLES WORLD REALTY, INC | Jul 2026 | $101,000 | $71 | 3/2 | 1,430 | 565 | 0.1 |
| 3906 Mission Drive 4, Jacksonville, FL 32217Listed by FLORIDA HOMES REALTY & MORTGAGE PROPERTY MANAGEMENT | Jul 2026 | $73,500 | $87 | 1/1 | 845 | 42 | 0.1 |
| 6654 Bell Tower Court 2, Jacksonville, FL 32217Listed by HERRON REAL ESTATE LLC | Sep 2026 | $65,000 | $57 | 2/2 | 1,145 | 91 | 0.2 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: COASTAL REALTY JAX
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.
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Krista Fracke
Broker Associate
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