This home is in Jacksonville.
Active·15 days on market
3404 Tinya Court
Jacksonville, FL 32226
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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Welcome to this spacious 3-bedroom, 2-bath home offering 1,726 square feet of comfortable living space. Updated LVP flooring flows throughout the main living areas, complemented by tile in the kitchen and bathrooms and new carpet in the bedrooms. Natural light fills the living room and breakfast nook, creating bright and inviting spaces for everyday living. The home also features a formal dining room for gatherings and special occasions. The primary suite includes a large walk-in closet and a private bathroom with a relaxing Jacuzzi tub. Major updates include a roof replaced in 2021, a central A/C system installed in 2025, and a new water heater installed in 2026. Outside, enjoy two backyard patios, including one screened-in and one uncovered, along with a spacious yard offering plenty of room for gardening and outdoor activities. A storage shed and firepit complete the backyard.
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: Shingle — 2021 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: ~1,577 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): $1,448/yr
Estimated taxes if purchased at asking price: ~$5,900/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 9, 2026Price change$299,900−$20,000
- Sep 26, 2026Active$319,900
- Sep 21, 2026Listed$319,900
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 $191/sq ft; this home is listed at $174/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 12648 Moose Road, Jacksonville, FL 32226Listed by PONTE VEDRA PALM VALLEY REAL ESTATE COMPANY LLC | Aug 2026 | $285,000 | $191 | 3/2 | 1,491 | 151 | 0.2 |
| 12551 Moose Road, Jacksonville, FL 32226Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Sep 2026 | $320,000 | $203 | 3/2 | 1,579 | 47 | 0.3 |
| 3428 Glenn Hollow Court, Jacksonville, FL 32226Listed by LOKATION | Sep 2026 | $325,000 | $147 | 4/2.5 | 2,215 | 18 | 0.5 |
| 3420 Glenn Hollow Court, Jacksonville, FL 32226Listed by SOVEREIGN REAL ESTATE GROUP | Aug 2026 | $350,000 | $185 | 4/2 | 1,893 | 34 | 0.5 |
| 12316 Hickory Forest Road, Jacksonville, FL 32226Listed by 1 PERCENT LISTS FIRST COAST | Oct 2026 | $285,000 | $152 | 3/2 | 1,874 | 16 | 0.7 |
| 13513 Yellow Bluff Road, Jacksonville, FL 32226Listed by RPB REALTY,INC | Sep 2026 | $409,900 | $197 | 4/2 | 2,084 | 110 | 0.9 |
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: KELLER WILLIAMS REALTY ATLANTIC PARTNERS
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
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines