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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 waterfront home in Jacksonville.

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Active·Listed today

3076 Isser Lane

Jacksonville, FL 32257

$3,249,000$585/sqftEst. $17,345/moMLS# 2165127
5
Beds
5.5
Baths
5,551
Sq Ft
1977
Built
3
Garage
Yes
Pool
FEMA Zone XNo HOA0.96 acresWaterfrontSingle Family Residence2 stories

About this home

Jacksonville

Welcome to this exquisite riverfront property located in the heart of Beauclerc on one of the highest elevation lots available. This desirable San Jose area of Jacksonville is renown for the scenic city-scape vistas, the high elevations and the perfect spot for the best viewing of the Navy Blue Angels taking off and landing at nearby NAS. This true masterpiece of luxury living is nestled amongst towering oaks in a neighborhood that offers friendly gatherings, walkers enjoying the mile circle around these riverfront properties, and ample space for relaxation and recreation. This home embodies style in every inch, inside and outside. Incorporating water in the design and decor, you'll find earth and sky water and waves elements throughout the home and exterior. Sweeping curves, earthy stone, lofty space and amazing lighting are a few examples of the unique character this home embraces. A manicured landscape and yard, both riverfront and off the cul de sac, greets you as you arrive home.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.03% · 30yr$17,345
Property taxesest. at asking price, Duval County$5,305
Estimated total, before insurance$22,650/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$27,427/yr · $2,286/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

$3,249,000
$649,800
Loan Term
Monthly Payment
$17,345
Principal & Interest: $17,345
Property taxes (est.): $5,305
Insurance (est.): $2,166
Estimated Total Monthly
$24,816
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 1977)

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: ~1,475 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $27,427/yr

Estimated taxes if purchased at asking price: ~$63,700/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

  • Sep 24, 2026Active$3,249,000
  • Sep 15, 2026Listed$3,249,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$3,249,000
Price / Sq Ft$585
Bedrooms5
Bathrooms5.50
Full Baths4
Half Baths3
Square Footage5,551
Acres0.96 acres
Year Built1977
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages3
Has PoolYes
Pool FeaturesIn Ground, Pool Sweep, Screen Enclosure, Waterfall
Is WaterfrontYes
Direction FacesNorthwest

Community Information

Address3076 Isser Lane, Jacksonville, FL 32257
Area013-Beauclerc/Mandarin North
SubdivisionBeauclerc
CityJacksonville
CountyDuval
StateFL
Zip Code32257
Lot Size41,817.6 sq ft
Lot Dimensions138 x 315
Parcel Number1493790000
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected, Propane
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Electric Vehicle Charging Station(s), Garage, Garage Door Opener
ViewRiver
Waterfront TypeRiver Front

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, Guest Suite, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Gas Cooktop, Gas Range, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned
HeatingCentral
CoolingCentral Air
FireplaceYes
# of Fireplaces3
Fireplace FeaturesDouble Sided, Electric, Gas
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Lower Level, Upper Level, Washer Hookup
SecuritySecurity System Owned, Smoke Detector(s)
Spa FeaturesIn Ground, Heated

Exterior

Exterior FeaturesBalcony, Dock, Outdoor Kitchen
Lot DescriptionCul-De-Sac
Patio / PorchCovered, Patio, Porch, Rear Porch, Screened
RoofShingle
ConstructionFiber Cement, Stone
Other StructuresOutdoor Kitchen

Additional Information

Date ListedSeptember 24, 2026
Days on Market0
Tax Amount$27,426.54
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: THE LEGENDS OF REAL ESTATE · zambettisellsjax@gmail.com

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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