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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 gated community home in Jacksonville.

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Active

$550,0004 bd · 2.5 ba · 2,012 sq ft

Active·47 days on market·Hidden Hills

4034 Retford Drive

Jacksonville, FL 32225

$550,000$273/sqftEst. $2,999/mo mortgageMLS# 2166290
↓ $35,000 below original list
4
Beds
2.5
Baths
2,012
Sq Ft
1988
Built
3
Garage
No
Pool

11 more homes for sale in Hidden Hills →Search Hidden Hills on the map

FEMA Zone XHOA $150/mo15,246 sqft lotSingle Family Residence1 story

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About this home

Hidden Hills

Beautifully remodeled brick home situated on a spacious .30-acre lot in the highly desirable Hidden Hills neighborhood, directly across from Hidden Hills Golf Club. This move-in-ready home with a brand new HVAC and water heater blends timeless brick charm with modern updates throughout. Featuring brand-new flooring, fresh interior and exterior paint, and a completely updated kitchen with sleek slim-shaker cabinetry, new appliances, and stylish finishes. The bathrooms have been tastefully remodeled with modern fixtures and finishes. Step outside to enjoy the tiled patio, perfect for outdoor entertaining or relaxing in the spacious backyard. Ideally located near shopping, dining, parks, and major roadways, this exceptional home offers comfort, style, and an unbeatable Hidden Hills location.

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$2,999
Property taxesest. at asking price, Duval County$900
HOAbilled monthly$150
Estimated total, before insurance$4,049/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,381/yr · $615/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

$550,000
$110,000
Loan Term
Monthly Payment
$2,999
Principal & Interest: $2,999
Property taxes (est.): $900
Insurance (est.): $367
Estimated Total Monthly
$4,266
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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 1988)

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: ~1,295 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.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

Last sold: $370,000 in July 2026(county public record, not MLS data)

YearMarket valueTaxable valueChange
2026$398,097$398,097—

2025 property taxes (current owner): $7,381/yr

Estimated taxes if purchased at asking price: ~$10,800/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 3,601 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2026), NEFMLS.

History

Price & status history

  • Nov 10, 2026Price change$550,000−$25,000
  • Oct 28, 2026Price change$575,000−$10,000
  • Sep 24, 2026Listed$585,000

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 $234/sq ft; this home is listed at $273/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
11636 Brush Ridge Circle N, Jacksonville, FL 32225Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYAug 2026$385,000$2343/21,643210.2
11987 Arbor Lake Drive, Jacksonville, FL 32225Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$388,900$2553/21,526250.4
4425 Beacon Drive W, Jacksonville, FL 32225Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$553,000$2204/2.52,519670.4
4528 Bay Harbour Drive, Jacksonville, FL 32225Listed by MERO REALTYOct 2026$510,000$2344/2.52,184410.6
11341 Woodsong Loop N, Jacksonville, FL 32225Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$513,500$2343/22,19430.6
4837 Pareja Court, Jacksonville, FL 32225Listed by FUTURE HOME REALTY INCSep 2026$345,000$2033/21,69860.8

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$550,000
Price / Sq Ft$273
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,012
Acres0.35 acres
Year Built1988
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo

School Information

This listingNo schools reported in the MLS
ElementaryMerrill Road, reported on 5 other Hidden Hills listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address4034 Retford Drive, Jacksonville, FL 32225
Area042-Ft Caroline
SubdivisionHidden Hills
CityJacksonville
CountyDuval
StateFL
Zip Code32225
Lot Size15,246 sq ft
Parcel Number1606712112

Amenities

AmenitiesGated
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
Window FeaturesSkylight(s)

Exterior

Lot DescriptionMany Trees
Patio / PorchCovered, Patio
FencingWood
RoofShingle
ConstructionBrick
Road SurfacePaved

Additional Information

Date ListedSeptember 24, 2026
Days on Market47
HOA Fees$150 / Monthly
HOA FrequencyMonthly
Tax Amount$7,380.56
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: DJ & LINDSEY REAL ESTATE

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.

View all Hidden Hills homes for sale →
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