Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville — a pool home in Jacksonville.

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Active·Listed today

3873 Cove Saint Johns Road

Jacksonville, FL 32277

$420,000$117/sqftEst. $2,182/moMLS# 2164336

Beds

Baths

3,588

Sq Ft

1985

Built

Garage

Yes

Pool

About this home

Jacksonville

Fixer please call listing agent for access and questions. Very Distressed property, needs everything. AS-IS only

Cost to own

Mortgage calculator

Home Price

$420,000

Down Payment: 20%

$84,000

Interest Rate: 6.76%

Loan Term

Monthly Payment

$2,182

Principal & Interest: $2,182

Property taxes (est.): $686

Insurance (est.): $280

Estimated Total Monthly

$3,147

*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.76% · 30yr$2,182

Property taxesest. at asking price, Duval County$686

Estimated total, before insurance$2,867/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,701/yr · $392/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).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,701/yr

Estimated taxes if purchased at asking price: ~$8,200/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, NEFMLS.

History