This home is in Kensington Gardens, Jacksonville.
Active·47 days on market·Kensington Gardens
2163 St Martins Drive W
Jacksonville, FL 32246
3 more homes for sale in Kensington Gardens →Search Kensington Gardens on the map
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About this home
Kensington Gardens
OPEN HOUSE Sat. 10/24 1-4pm. Rare opportunity in the beautiful, established Kensington Gardens community! She looks better in person. Come set up an appointment. This spacious 4-bedroom, 2-bath home features a fully permitted attached ADU, ideal for multigenerational living, extended family, guests, or flexible additional space. The main home offers a NEW 2026 ROOF, open-concept kitchen and living area, soaring ceilings, wood-burning fireplace, generously sized bedrooms, and attached 2-car garage. Enjoy the fully fenced backyard with plenty of room to relax and entertain. The private ADU features its own entrance, kitchen, washer/dryer hookups, and bathroom with walk-in shower, providing excellent privacy and functionality. Ready for cosmetic updates, this home offers an exciting opportunity to personalize and make it your own. Conveniently located minutes from Jacksonville beaches, St. Johns Town Center, Downtown, shopping, dining, and the airport. Don't miss this unique opportunity!
Next steps in Kensington Gardens
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).
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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — 2026 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,782 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
Atlantic Blvd20 min drive · 50 parking spaces
Closest park or preserve
Dutton Island Preserve16 min drive · 1.2 mi of trails
Closest public boat ramp
Oak Harbor Boat Ramp (Restricted to shallow draft boats)about 4 mi · Atlantic ICW (Duval County)
Closest kayak & paddleboard launch
Castaway Island Preserve Kayak Dockabout 3 mi · Atlantic Intercoastal Waterway
Closest youth league fields
Wynnfield Lakes5 min drive · Soccer
Closest grocery store
BJ's Wholesale Club5 min drive · 12200 Atlantic Blvd, 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.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:37 AM, sunset 6:42 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- The front of the home carries the hot western afternoon instead of your living space.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $451,095 | $185,928 | — |
| 2024 | $436,530 | $179,840 | — |
| 2023 | $436,955 | $173,000 | — |
| 2022 | $403,302 | $166,360 | — |
| 2021 | $320,766 | $159,913 | — |
| 2020 | $302,793 | $156,946 | — |
2025 property taxes (current owner): $3,849/yr
Estimated taxes if purchased at asking price: ~$9,800/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 2, 2026Price change$500,000−$25,000
- Sep 16, 2026Price change$525,000−$15,000
- Sep 10, 2026Listed$540,000
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 $267/sq ft; this home is listed at $175/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2098 Forest Gate Drive E, Jacksonville, FL 32246Listed by DJ & LINDSEY REAL ESTATE | Oct 2026 | $545,000 | $266 | 4/2 | 2,052 | 4 | 0.4 |
| 2676 Cassia Lane, Jacksonville, FL 32246Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $955,000 | $328 | 4/3 | 2,912 | 127 | 0.5 |
| 2696 Ostia Circle, Jacksonville, FL 32246Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2026 | $1,090,000 | $316 | 5/4 | 3,451 | 52 | 0.6 |
| 2660 Alexia Circle, Jacksonville, FL 32246Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Sep 2026 | $535,000 | $267 | 4/3 | 2,006 | 135 | 0.6 |
| 12183 Irwin Manor Drive, Jacksonville, FL 32246Listed by FLORIDA LIFESTYLES REALTY | Oct 2026 | $478,000 | $220 | 4/3 | 2,168 | 64 | 0.7 |
| 11751 Wynnfield Lakes Circle, Jacksonville, FL 32246Listed by JPAR CITY AND BEACH | Oct 2026 | $665,000 | $198 | 4/3.5 | 3,361 | 28 | 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: 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 Kensington Gardens
Kensington Gardens is a neighborhood in Jacksonville, FL (Duval County), ZIP 32246.
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Krista Fracke
Broker Associate
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