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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 Windsor Parke, Jacksonville — a waterfront home in Jacksonville.

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Active·44 days on market·Windsor Parke

4531 Hanover Park Drive

Jacksonville, FL 32224

$614,000$267/sqftEst. $3,401/moMLS# 2161853
↓ $6,000 below original list
3
Beds
2.5
Baths
2,297
Sq Ft
1998
Built
2
Garage
No
Pool

All Windsor Parke homes for sale →Search Windsor Parke on the map

FEMA Zone XHOA $13/mo12,197 sqft lotWaterfrontSingle Family Residence2 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) 709-7917 Text Krista

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

About this home

Windsor Parke

Welcome to this move-in ready, fully renovated gem situated on a large cul-de-sac lot in a desirable golf course community--less than seven miles from the beach! Boasting an expanded paver driveway and a brand-new front door with upgraded fogged glass, this modern home welcomes you with exceptional curb appeal. Inside, you will find stylish luxury vinyl plank flooring throughout the main level and carpet upstairs and in the versatile loft area. The modern layout seamlessly connects living spaces updated down to the door hinges and light fixtures. Enjoy seamless convenience with built-in smart home features, including a Wi-Fi-enabled thermostat, oven, and front door lock. The kitchen is fully updated with quartz countertops, a custom tile backsplash, and sleek stainless steel appliances (all appliances stay with the home!). The primary suite offers a luxurious retreat featuring a private bathroom with marble countertops, upgraded faucets and light fixtures.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$3,401
Property taxesest. at asking price, Duval County$1,003
HOAbilled annually$13
Estimated total, before insurance$4,416/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,279/yr · $773/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

$614,000
$122,800
Loan Term
Monthly Payment
$3,401
Principal & Interest: $3,401
Property taxes (est.): $1,003
Insurance (est.): $409
Estimated Total Monthly
$4,813
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Hurricane evacuation zone E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: Shingle — year not disclosed (home built 1998)

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: ~1,676 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): $9,279/yr

Estimated taxes if purchased at asking price: ~$12,000/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

  • Sep 24, 2026Price change$614,000−$6,000
  • Aug 26, 2026Listed$620,000

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

Features

Price$614,000
Price / Sq Ft$267
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,297
Acres0.28 acres
Year Built1998
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes

Community Information

Address4531 Hanover Park Drive, Jacksonville, FL 32224
Area026-Intracoastal West-South Of Beach Blvd
SubdivisionWindsor Parke
CityJacksonville
CountyDuval
StateFL
Zip Code32224
Lot Size12,196.8 sq ft
Parcel Number1677355700

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

Exterior

Patio / PorchCovered, Rear Porch, Screened
RoofShingle
ConstructionStucco

Additional Information

Date ListedAugust 26, 2026
Days on Market29
HOA Fees$150 / Annually
HOA FrequencyAnnually
Tax Amount$9,279.36
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REDFIN CORPORATION

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 Windsor Parke

Windsor Parke is a neighborhood in Jacksonville, FL (Duval County), ZIP 32224.

View all Windsor Parke 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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