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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 home near Atlantic Coast High School.

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Active

$950,0004 bd · 4 ba · 3,964 sq ft

Active·45 days on market

3713 Burnt Pine Drive

Jacksonville, FL 32224

$950,000$240/sqftEst. $5,179/mo mortgageMLS# 2166434
↓ $15,000 below original list
4
Beds
4
Baths
3,964
Sq Ft
2014
Built
3
Garage
No
Pool
FEMA Zone XHOA $71/mo12,197 sqft lotSingle Family Residence2 stories

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Want to walk through this home this week?

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

One of the largest homes in Crosswater with an expansive outdoor living and entertaining area. Almost 4,000 square feet with 4 bedrooms, an office and bonus living area downstairs and a massive bonus room with full bathroom upstairs. The huge primary bedroom features a gas fireplace and a luxury walk in closet. The primary bathroom offers double vanity granite countertops and large walk in shower. The main living area is made up of a luxury kitchen with natural gas cooktop, double ovens and huge kitchen island open to the large family room and casual dining area. The formal dining room is just outside the kitchen. One of the best outdoor living and entertaining areas anywhere. Expansive screened space that includes a built in covered summer kitchen and sit up bar with grills, refrigerator, sink and more. An outdoor gas firepit and hot tub complete the outdoor experience, all overlooking a beautiful wooded preserve. One mile to Mayo Clinic. 15 minutes to the beach. Great shopping and

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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$5,179
Property taxesest. at asking price, Duval County$1,551
HOAbilled annually$71
Estimated total, before insurance$6,801/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,267/yr · $939/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

$950,000
$190,000
Loan Term
Monthly Payment
$5,179
Principal & Interest: $5,179
Property taxes (est.): $1,551
Insurance (est.): $633
Estimated Total Monthly
$7,364
*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.

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 2014)

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: ~1,728 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.

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

2025 property taxes (current owner): $11,267/yr

Estimated taxes if purchased at asking price: ~$18,600/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 29, 2026Price change$950,000−$15,000
  • Oct 18, 2026Active$965,000
  • Oct 8, 2026Active Under Contract$965,000
  • Sep 24, 2026Listed$965,000

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 $300/sq ft; this home is listed at $240/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3724 Burnt Pine Drive, Jacksonville, FL 32224Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$1,000,000$2685/4.53,727310.1
3637 Crossview Drive, Jacksonville, FL 32224Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYOct 2026$860,000$3004/32,862280.2
3601 Crossview Drive, Jacksonville, FL 32224Listed by NEXT MOVE ATLANTIC COASTSep 2026$905,000$3104/32,919170.2
3681 Annapolis Way, Jacksonville, FL 32224Listed by INI REALTYJul 2026$915,000$2884/43,17570.2
14533 Plumosa Drive, Jacksonville, FL 32250Listed by EXP REALTY, LLCAug 2026$1,537,500$5233/22,942390.8
13175 Wexford Hollow Road N, Jacksonville, FL 32224Listed by INI REALTYSep 2026$870,000$2925/4.52,984591.4

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$950,000
Price / Sq Ft$240
Bedrooms4
Bathrooms4.00
Full Baths4
Square Footage3,964
Acres0.28 acres
Year Built2014
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo

School Information

ElementaryAlimacani
MiddleKernan

Community Information

Address3713 Burnt Pine Drive, Jacksonville, FL 32224
Area026-Intracoastal West-South Of Beach Blvd
SubdivisionCrosswater@pablo Bay
CityJacksonville
CountyDuval
StateFL
Zip Code32224
Lot Size12,196.8 sq ft
Parcel Number1674512590
ZoningResidential

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Dog Park, Park, Playground
UtilitiesCable Available, Electricity Connected, Natural Gas Available, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms
AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Oven, Gas Cooktop, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories2
LaundryElectric Dryer Hookup, Gas Dryer Hookup, Lower Level, Washer Hookup
SecuritySecurity System Owned, Smoke Detector(s)
Spa FeaturesHeated, Above Ground, Private

Exterior

Exterior FeaturesFire Pit
Patio / PorchCovered, Front Porch, Patio, Porch, Rear Porch, Screened
RoofShingle
ConstructionFrame, Stucco
Other StructuresOutdoor Kitchen
Road SurfaceAsphalt

Additional Information

Date ListedSeptember 24, 2026
Days on Market45
HOA Fees$850 / Annually
HOA FrequencyAnnually
HOA NameCrosswater at Pablo Bay
Tax Amount$11,267.29
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX UNLIMITED

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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