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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 Hidden Hills, Jacksonville — a pool home in Jacksonville.

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Active

Active·Listed today·Hidden Hills

4002 Retford Drive

Jacksonville, FL 32225

$689,000$264/sqftEst. $3,678/moMLS# 2166264
4
Beds
2.5
Baths
2,605
Sq Ft
1989
Built
2
Garage
Yes
Pool
HOA $150/mo0.59 acresSingle Family Residence1 story

About this home

Hidden Hills

This type of exquisite home does not come around often! Set on over half an acre and one of the largest homes currently available in prestigious Hidden Hills, this updated 4BR/3BA offers the space, privacy, and flexibility buyers rarely find. Vaulted ceilings draw you into the spacious central living room, complemented by a split floor plan, grand primary suite, and versatile office/playroom. The kitchen features Cambria Quartz countertops, a large island, under-cabinet lighting, and a cozy breakfast nook. The primary suite feels like a private retreat with a spa-inspired bath, his-and-her closets, and two sets of French doors opening to the backyard. Outside, the possibilities are endless—room for a boat, poolside enjoyment, play areas, outdoor kitchen, garden, fire pit, and still space to spare. Newer roof, HVAC, water heater, a central vacuum system, and a 200-ft deep well for irrigation and pool water complete the package.

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$3,678
Property taxesest. at asking price, Duval County$1,125
HOAbilled monthly$150
Estimated total, before insurance$4,953/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,570/yr · $381/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

$689,000
$137,800
Loan Term
Monthly Payment
$3,678
Principal & Interest: $3,678
Property taxes (est.): $1,125
Insurance (est.): $459
Estimated Total Monthly
$5,263
*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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1989)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,689 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 home

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): $4,570/yr

Estimated taxes if purchased at asking price: ~$13,500/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, 2026Listed$689,000

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

Features

Price$689,000
Price / Sq Ft$264
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,605
Total Structure Area3,277 sq ft
Acres0.59 acres
Year Built1989
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontNo

Community Information

Address4002 Retford Drive, Jacksonville, FL 32225
Area042-Ft Caroline
SubdivisionHidden Hills
CityJacksonville
CountyDuval
StateFL
Zip Code32225
Lot Size25,700.4 sq ft
Parcel Number1606712121

Amenities

AmenitiesGated, Park, Playground, Security
Community FeaturesGated
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic, Well
Green / EnergyAppliances, Water Heater
ParkingGarage
ViewPool

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Central Vacuum, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Electric Water Heater, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Washer, ENERGY STAR Qualified Water Heater, Ice Maker, Induction Cooktop, Microwave
HeatingCentral
CoolingCentral Air
FlooringTile
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
Window FeaturesSkylight(s)
SecurityGated with Guard

Exterior

Exterior FeaturesFire Pit
Patio / PorchPatio, Side Porch
FencingFenced
RoofShingle
ConstructionBrick

Additional Information

Date ListedSeptember 24, 2026
Days on Market1
HOA Fees$150 / Monthly
HOA FrequencyMonthly
HOA NameHidden Hills
Tax Amount$4,569.72
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HERRON REAL ESTATE LLC · marianatkach@jaxflrealtor.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.

The neighborhood

About Hidden Hills

Hidden Hills is a neighborhood in Jacksonville, FL (Duval County), ZIP 32225.

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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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