This home is in Jacksonville — a waterfront home in Jacksonville.
Active·56 days on market
3425 Trout River Boulevard
Jacksonville, FL 32208
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About this home
Jacksonville
Rare Waterfront Sanctuary on 1.19 Acres in Desirable Flood Zone X! Experience ultimate peace of mind and true Florida coastal living at 3425 Trout River Blvd. Situated on a sprawling, fully gated 1.19-acre lot, this fully furnished and fully remodeled 4-bedroom, 3-bathroom single-story home offers 2,386 sq. ft. of pristine living space directly on the river. Best of all, the property is located in Flood Zone X, saving you thousands while offering direct water access with a private dock. Inside, enjoy soaring vaulted ceilings, two wood-burning fireplaces, and a split-bedroom floor plan that balances open-concept entertaining & luxury with maximum privacy. The spacious kitchen features a center island, breakfast bar, and dedicated eating nook overlooking the grounds. Out back, relax on the expansive deck, or enjoy the massive private yard with a 3-car attached garage and secure entry gate. A rare blend of acreage, waterfront lifestyle, luxury and optimal elevation!
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 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 2004)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Public water (record)
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: ~1,559 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Bluffs Scenic Trail, Big Talbot Island State Parkabout 16 mi · 35 parking spaces
Closest park or preserve
Reddie Point Preserveabout 5 mi · 1.2 mi of trails
Closest public boat ramp
Riverview Park Boat Rampabout 0.8 mi · St. Johns River - Trout River (Jacksonville)
Closest kayak & paddleboard launch
Ribault River Preserve Canoe Accessabout 1 mi · Ribault River
Closest youth league fields
Yancey Parkabout 0.8 mi · Baseball, Softball, Football
Closest grocery store
Walmart Supercenterabout 2 mi · 12100 Lem Turner Rd, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $9,220/yr
Estimated taxes if purchased at asking price: ~$15,200/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.
History
Price & status history
- Oct 14, 2026Price change$775,000−$15,000
- Sep 9, 2026Price change$790,000−$10,000
- Aug 27, 2026Active$800,000
- Aug 25, 2026Listed$800,000
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 $126/sq ft; this home is listed at $325/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3736 Rose Street, Jacksonville, FL 32208Listed by REALHOME SERVICES AND SOLUTIONS INC | Aug 2026 | $80,000 | $40 | 3/2 | 2,024 | 47 | 0.5 |
| 2308 Clyde Drive, Jacksonville, FL 32208Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2026 | $285,000 | $148 | 6/3 | 1,924 | 27 | 1.1 |
| 4017 Clearbrook Cove Road, Jacksonville, FL 32218Listed by INTEGRITY KEY REALTY LLC | Sep 2026 | $234,000 | $126 | 4/2 | 1,855 | 35 | 1.1 |
| 9369 Madison Avenue, Jacksonville, FL 32208Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $325,000 | $164 | 4/3 | 1,978 | 5 | 1.2 |
| 2325 Ribault Scenic Drive, Jacksonville, FL 32208Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $235,000 | $125 | 3/2 | 1,887 | 19 | 1.3 |
| 3004 Donna Drive, Jacksonville, FL 32208Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Aug 2026 | $199,900 | $108 | 3/2 | 1,845 | 5 | 1.4 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER ANABASIS REALTY
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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