This home is in Jacksonville — a gated community home in Jacksonville.
Active·54 days on market
3740 Ft Caroline Harbor Drive
Jacksonville, FL 32225
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
SELLER OFFERING $10,000 TOWARD BUYER CLOSING COSTS AND/OR RATE BUY DOWN! LISTED UNDER APPRAISED VALUE & 2.75% ASSUMABLE VA LOAN!! If you love a great kitchen, this is the one! The newly renovated kitchen is easily one of the best features of this home with a gas cooktop, double ovens, tons of storage and plenty of counter space. With over 3,000 square feet, 4 bedrooms and 3.5 bathrooms, there is plenty of room to spread out. All four bedrooms and three full bathrooms are upstairs, along with a large loft that could be a second living room, office or playroom. The spacious primary bedroom has two large closets, and the downstairs half bath has been updated. Out back, the fully fenced yard offers plenty of privacy with a paver patio and fire pit, perfect for BBQs and time with friends and family. The roof is approximately 4 years old, plus there's a tankless water heater and water softener. Located in a gated community convenient to downtown, shopping and dining.
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.
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.
Hurricane evacuation zone C
Zone C evacuates after zones A, B in an approaching storm.
Roof: Shingle — year not disclosed (home built 2006)
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: ~1,674 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 September 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
Kathryn Abbey Hanna Park (9&10)about 9 mi · 100 parking spaces
Closest park or preserve
Theodore Roosevelt Area and Fort Caroline (Timucuan Preserve)about 4 mi · 9.3 mi of trails
Closest public boat ramp
Lonnie Wurn Boat Rampabout 2 mi · St. Johns River
Closest kayak & paddleboard launch
Blue Cypress Park Canoe Accessabout 4 mi · St. Johns River
Closest youth league fields
Harvest Community Schoolabout 0.7 mi · Swimming
Closest grocery store
Publixabout 0.8 mi · 9100 Merrill 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): $384/yr
Estimated taxes if purchased at asking price: ~$10,500/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 13, 2026Price change$535,000−$3,000
- Sep 13, 2026Price change$538,000−$11,900
- Aug 31, 2026Listed$549,900
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 $188/sq ft; this home is listed at $178/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3447 Caroline Ridge Lane E, Jacksonville, FL 32225Listed by MAMBA REALTY, LLC | Aug 2026 | $460,000 | $214 | 4/2.5 | 2,149 | 32 | 0.4 |
| 3370 Double Lane, Jacksonville, FL 32277Listed by KST GROUP LLC | Aug 2026 | $315,200 | $145 | 5/2.5 | 2,172 | 384 | 0.9 |
| 2751 Caroline Hills Drive, Jacksonville, FL 32225Listed by ASHLEY HOMES REALTY LLC | Jul 2026 | $355,000 | $154 | 3/2.5 | 2,303 | 2 | 0.9 |
| 2689 Fawn Point Drive, Jacksonville, FL 32225Listed by FLATFLEE.COM INC | Jul 2026 | $399,000 | $172 | 3/2.5 | 2,315 | 5 | 1 |
| 3641 Sarah Brooke Court, Jacksonville, FL 32277Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $500,000 | $199 | 4/3 | 2,512 | 10 | 1.2 |
| 3822 Sarah Brooke Court, Jacksonville, FL 32277Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Jun 2026 | $475,000 | $188 | 4/3 | 2,530 | 11 | 1.3 |
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: ROUND TABLE 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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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines