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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 Jacksonville.

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Sold

Sold·Closed Oct 7, 2026·13 days on market·Recent sales in Jacksonville

3806 Cambay Place

Jacksonville, FL 32210

$215,000sold priceListed at $215,700 · 99.7% of asking$166/sqftMLS# 2161970
4
Beds
2
Baths
1,298
Sq Ft
1955
Built
—
Garage
No
Pool
FEMA Zone XNo HOA10,019 sqft lotSingle Family Residence1 story

About this home

Jacksonville

Seller is offering assistance with buyer closing costs! Welcome to this beautifully renovated 4-bedroom, 2-bathroom home where modern design meets everyday comfort. From the moment you step inside, you'll appreciate the open-concept layout, abundant natural light, and high-end finishes throughout. This move-in ready home features brand-new appliances, a complete plumbing update, fully renovated bathrooms, and stylish modern upgrades that give the home a fresh, like-new feel. The spacious floor plan offers plenty of room for relaxing, entertaining, or working from home. Every detail has been thoughtfully updated, making this the perfect opportunity for buyers looking for a worry-free home with today's most desirable features. Don't miss your chance to own this stunning, turnkey property!

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$1,191
Property taxesest. at asking price, Duval County$351
Estimated total, before insurance$1,542/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$859/yr · $72/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

$215,000
$43,000
Loan Term
Monthly Payment
$1,191
Principal & Interest: $1,191
Property taxes (est.): $351
Insurance (est.): $143
Estimated Total Monthly
$1,685
*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.

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 1955)

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: ~1,546 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

YearMarket valueTaxable valueChange
2025$137,983$25,000—
2024$133,288$25,000—
2023$127,911$25,000▲ $24,376
2022$100,028$25,000—
2021$86,211$23,841▲ $3,061
2020$81,140$23,167—

2025 property taxes (current owner): $859/yr

Estimated taxes if purchased at asking price: ~$4,200/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 (2025), NEFMLS.

History

Price & status history

  • Oct 7, 2026Closed$215,700
  • Sep 9, 2026Pending$215,700
  • Aug 26, 2026Listed$215,700

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 $139/sq ft; this home is listed at $166/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
6319 Raw Hyde Trail S, Jacksonville, FL 32210Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$205,576$1393/21,482670.5
2337 Betsy Drive, Jacksonville, FL 32210Listed by BEYCOME OF FLORIDA LLCOct 2026$210,000$1653/21,272500.6
2449 Lane Avenue S, Jacksonville, FL 32210Listed by UP REAL ESTATESep 2026$205,000$1373/21,49170.7
2130 Hugh Edwards Drive, Jacksonville, FL 32210Listed by WHOLESALE REALTY LLCSep 2026$113,000$883/1.51,28800.8
6215 Randia Drive, Jacksonville, FL 32210Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$235,000$1754/21,341100.9
6445 Tiny Tim Lane, Jacksonville, FL 32210Listed by WHOLESALE REALTY LLCSep 2026$168,000$1003/21,68500.9

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

Price$215,700
Price / Sq Ft$166
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,298
Acres0.23 acres
Year Built1955
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Carport Spaces1
Has PoolNo
Is WaterfrontNo

Community Information

Address3806 Cambay Place, Jacksonville, FL 32210
Area054-Cedar Hills
SubdivisionCedar Hills
CityJacksonville
CountyDuval
StateFL
Zip Code32210
Lot Size10,018.8 sq ft
Parcel Number1051240000

Amenities

UtilitiesWater Available
Water SourcePublic
ParkingAttached Carport

Interior

AppliancesDishwasher, Electric Oven, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1

Additional Information

Date ListedAugust 26, 2026
Days on Market13
Tax Amount$858.72
Tax Year2025
Listing TermsAssumable, Cash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: DOORVINE REALTY LLC

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Oct 7, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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