This home is in Jacksonville.
Sold·Closed Oct 16, 2026·2 days on market·Recent sales in Jacksonville
4134 Whispering Oaks Drive E
Jacksonville, FL 32277
About this home
Jacksonville
Exceptional Multigenerational Living with a Private In-Law Suite! Beautifully maintained and thoughtfully designed, this sprawling brick ranch offers the rare opportunity for true multigenerational living while still providing privacy and separation for everyone under one roof. Set beneath a canopy of mature oak trees with beautiful curb appeal, this home makes an impressive first impression--and only gets better once you step inside. The split-bedroom floor plan is ideal for extended family, aging parents, adult children, guests, or anyone looking for a private secondary living space. On one side of the home, the spacious owner's suite provides a peaceful retreat, while the opposite side features a secluded in-law suite complete with its own bedroom, full bath, and kitchenette. Tucked away from the home's main living areas, it offers exceptional privacy and flexibility. From the moment you enter, it is evident that this home has been meticulously cared for by its current owners.
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 (that applies to the reference bill above too).
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: Shingle — year not disclosed (home built 1975)
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: ~1,472 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 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
South Beach Pavillion, Little Talbot Island State Parkabout 11 mi · 100 parking spaces
Closest park or preserve
Reddie Point Preserveabout 2 mi · 1.2 mi of trails
Closest public boat ramp
Lonnie Wurn Boat Rampabout 0.4 mi · St. Johns River
Closest kayak & paddleboard launch
Blue Cypress Park Canoe Accessabout 2 mi · St. Johns River
Closest youth league fields
Victory Parkabout 0.6 mi · Baseball, Softball
Closest grocery store
Aldiabout 0.8 mi · 6060 Fort Caroline Rd No.10,, 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): $3,736/yr
Estimated taxes if purchased at asking price: ~$8,700/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 19, 2026Closed$440,000
- Sep 7, 2026Active Under Contract$440,000
- Sep 5, 2026Listed$440,000
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 $139/sq ft; this home is listed at $136/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4150 Old Mill Cove Trail W, Jacksonville, FL 32277Listed by MARK SPAIN REAL ESTATE | Jul 2026 | $418,000 | $156 | 4/2.5 | 2,687 | 104 | 0.1 |
| 6435 N Kaden Drive N, Jacksonville, FL 32277Listed by ROUND TABLE REALTY | Mar 2026 | $402,000 | $169 | 4/2.5 | 2,376 | 23 | 0.2 |
| 6811 Hermitage Road, Jacksonville, FL 32277Listed by JOHN WOLFEL REAL ESTATE LLC | Jan 2026 | $320,000 | $139 | 4/2.5 | 2,300 | 30 | 0.6 |
| 3873 Cove Saint Johns Road, Jacksonville, FL 32277Listed by HASSLE-FREE REALTY LLC | Oct 2026 | $240,000 | $67 | 5/4 | 3,588 | 26 | 0.7 |
| 3858 Cove Saint Johns Road, Jacksonville, FL 32277Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Jan 2026 | $335,000 | $128 | 5/3 | 2,609 | 19 | 0.7 |
| 5634 St Isabel Drive, Jacksonville, FL 32277Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Apr 2026 | $350,000 | $136 | 5/3 | 2,575 | 3 | 0.8 |
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 VANGUARD REALTY
Sold by: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST (buyer's brokerage)
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
This home sold on Oct 16, 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
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