This home is in Jacksonville.
Active Under Contract·29 days on market
3602 Bowden Circle W
Jacksonville, FL 32216
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
3-BED, 2-BATH, 1,482 SF HOME with OPEN FLOOR PLAN, 2024 ROOF & HVAC, WHOLE-HOUSE GENERATOR, fenced yard and newer LVP flooring throughout! Offering two distinct living areas, this home provides flexible space for everyday living and entertaining. The eat-in kitchen features butcher block countertops and loads of space and is open to both gathering areas. The primary suite offers a private ensuite bath and walk-in closet. There is additional walk-in closet space in all bedrooms providing excellent storage. Enjoy the screened porch and fenced yard for added outdoor living. Washer and dryer are also included. Conveniently located in an established neighborhood near hospitals, shopping and retail, with easy access to I-95 and just minutes from downtown Jacksonville and the St Johns Town Center. Major 2024 updates plus a whole-house generator make this home a standout!
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).
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 D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: material not specified — 2024 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Likely septic
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,525 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $754/yr
Estimated taxes if purchased at asking price: ~$3,300/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 24, 2026Active Under Contract$170,000
- Sep 11, 2026Listed$170,000
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 $212/sq ft; this home is listed at $115/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 7942 Mulhall Drive, Jacksonville, FL 32216Listed by CORE REALTY, LLC | Sep 2026 | $275,000 | $164 | 3/2 | 1,680 | 110 | 0.6 |
| 2650 Emily Lane, Jacksonville, FL 32216Listed by UNITED REAL ESTATE GALLERY | Oct 2026 | $230,000 | $176 | 3/1.5 | 1,310 | 7 | 1.1 |
| 6026 Chevy Drive, Jacksonville, FL 32216Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $325,000 | $212 | 3/2 | 1,530 | 5 | 1.2 |
| 2417 Provost Road E, Jacksonville, FL 32216Listed by BASS PROFESSIONAL REALTY, INC | Sep 2026 | $229,000 | $176 | 3/1.5 | 1,304 | 22 | 1.2 |
| 2607 Randy Road, Jacksonville, FL 32216Listed by PURSUIT REAL ESTATE, LLC | Sep 2026 | $250,000 | $226 | 3/2 | 1,104 | 79 | 1.2 |
| 2313 Brest Road, Jacksonville, FL 32216Listed by LINDA STRICKLAND REALTY | Aug 2026 | $315,000 | $236 | 3/2 | 1,335 | 10 | 1.2 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER VANGUARD 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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