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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 — a pool home in Jacksonville.

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Active

Active·50 days on market

4849 Dovetree Lane

Jacksonville, FL 32225

$460,000$254/sqftEst. $2,528/mo mortgageMLS# 2163568
3
Beds
2
Baths
1,812
Sq Ft
1987
Built
2
Garage
Yes
Pool
FEMA Zone XHOA $9/mo15,246 sqft lotSingle Family Residence1 story

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About this home

Jacksonville

Don't miss this beautiful POOL home in Riverwoods at St. John that may qualify for VA assumption. This 3 bedroom 2 bath 1800+ square foot home has been beautifully updated. The kitchen is the heart of the home and this one includes new cabinets and solid surface countertops, S.S appliances and is open to the great room. A 2 sided fireplace will provide warmth to both the great room and bonus area. The guest bath now include 2 sinks, tile tub surround, new mirrors and fixtures and will be enjoyed by all your visitors. The great room opens to the screened patio and large private backyard with all the great entertaing spaces to enjoy the Florida lifestyle. The 8 year old pool will most likey be a favorite spot for everyone. Conveniently located near Mayport, the beaches, towncenter and the airport.

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$2,528
Property taxesest. at asking price, Duval County$751
HOAbilled annually$9
Estimated total, before insurance$3,288/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,507/yr · $459/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

$460,000
$92,000
Loan Term
Monthly Payment
$2,528
Principal & Interest: $2,528
Property taxes (est.): $751
Insurance (est.): $307
Estimated Total Monthly
$3,586
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 1987)

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: ~1,485 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As 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.

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): $5,507/yr

Estimated taxes if purchased at asking price: ~$9,000/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 4, 2026Listed$460,000

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 $254/sq ft; this home is listed at $254/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
11341 Woodsong Loop N, Jacksonville, FL 32225Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$513,500$2343/22,19430.2
4836 Beacon Drive W, Jacksonville, FL 32225Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$270,000$2003/21,34840.2
4837 Pareja Court, Jacksonville, FL 32225Listed by FUTURE HOME REALTY INCSep 2026$345,000$2033/21,69860.3
11354 Ashley Manor Way, Jacksonville, FL 32225Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEAug 2026$370,000$2593/21,428360.3
4650 Morris Road, Jacksonville, FL 32225Listed by COMPASS FLORIDA LLCOct 2026$330,000$2544/21,300430.4
4423 Woodsong Loop W, Jacksonville, FL 32225Listed by RE/MAX SPECIALISTSJul 2026$579,000$2834/32,045230.4

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

Price$460,000
Price / Sq Ft$254
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,812
Acres0.35 acres
Year Built1987
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Fenced
Is WaterfrontNo

School Information

This listingNo schools reported in the MLS
ElementaryDon Brewer, reported on 7 other Riverwoods listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address4849 Dovetree Lane, Jacksonville, FL 32225
Area042-Ft Caroline
SubdivisionRiverwoods
CityJacksonville
CountyDuval
StateFL
Zip Code32225
Lot Size15,246 sq ft
Parcel Number1606835006
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached

Interior

Interior FeaturesEat-in Kitchen, Split Bedrooms
AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer
HeatingHeat Pump
CoolingElectric
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1

Exterior

FencingBack Yard
RoofShingle

Additional Information

Date ListedSeptember 4, 2026
Days on Market51
HOA Fees$112 / Annually
HOA FrequencyAnnually
Tax Amount$5,506.79
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

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

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20+ years · 500+ closings · NE Florida

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