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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 pool home in Jacksonville.

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Active

Active·14 days on market

3928 S Hickory Grove Drive

Jacksonville, FL 32277

$325,000$152/sqftEst. $1,800/moMLS# 2166673
4
Beds
2.5
Baths
2,143
Sq Ft
1980
Built
2
Garage
Yes
Pool
FEMA Zone XNo HOA12,197 sqft lotSingle Family Residence1 story

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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

All Brick 4/2/1 Poolhome. Located on a Cul-De-Sac in Established Family Friendly Neighborhood a short walk to The Park and Golf Course. Great Place to Relax with Friends and a cold one in the Screened Patio that overlooks the inground pool. Features include New Roof, New A/C, 6' Privacy Fence, Great Room w Wet Bar, Sep Dining Room, Eating Area w Bay Window off Kitchen, Large Master BR and Master Bath with Garden Tub and Sep Shower. Other Features: Large Inside Laundry Room w Lots of Cabinets, Side Entry Gar, Deep Well, Irrigation System. Seller added Glass French Doors to the Dining Room converting to an Office. RVM Value $370k. Property needs some Cosmetic work. Ceiling patchwork, Paint and Flooring. Priced accordingly. Thanx for Showing

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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 · 7.4% · 30yr$1,800
Property taxesest. at asking price, Duval County$531
Estimated total, before insurance$2,331/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$325,000
$65,000
Loan Term
Monthly Payment
$1,800
Principal & Interest: $1,800
Property taxes (est.): $531
Insurance (est.): $217
Estimated Total Monthly
$2,548
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 1980)

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: ~1,307 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.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard and pool on the west side. Today at this address: sunrise 7:26 AM, sunset 7:00 PM.

  • A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

  • Sep 26, 2026Listed$325,000

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 $175/sq ft; this home is listed at $152/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
5528 Edmar Road, Jacksonville, FL 32277Listed by KELLER WILLIAMS JACKSONVILLEAug 2026$275,000$1304/32,11420.2
5503 Coppedge Avenue, Jacksonville, FL 32277Listed by ERA ONETEAM REALTYAug 2026$400,000$2224/21,800710.2
5439 Contina Avenue, Jacksonville, FL 32277Listed by REAL BROKER LLCJul 2026$309,000$1753/21,77060.2
5414 Coppedge Avenue, Jacksonville, FL 32277Listed by OPENDOOR BROKERAGE, LLC.Sep 2026$298,000$1753/31,7001510.3
5447 Selton Avenue, Jacksonville, FL 32277Listed by MAXREV, LLCSep 2026$280,000$1823/2.51,53690.3
4036 Meek Drive, Jacksonville, FL 32277Listed by MIDDLETON REALTY, INC.Aug 2026$355,000$1645/32,162260.3

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

Price$325,000
Price / Sq Ft$152
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,143
Total Structure Area2,914 sq ft
Acres0.28 acres
Year Built1980
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontNo
Direction FacesEast

School Information

MiddleFort Caroline
HighTerry Parker

Community Information

Address3928 S Hickory Grove Drive, Jacksonville, FL 32277
Area041-Arlington
SubdivisionUniversity Park
CityJacksonville
CountyDuval
StateFL
Zip Code32277
Lot Size12,196.8 sq ft
Lot Dimensions100x120
Parcel Number1128530680
ZoningResidential

Amenities

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

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Jack and Jill Bath, Pantry, Primary Bathroom -Tub with Separate Shower, Wet Bar
AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringLaminate, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryIn Unit
Window FeaturesSkylight(s)
SecuritySmoke Detector(s)

Exterior

Lot DescriptionCul-De-Sac, Few Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Patio, Screened
FencingFenced, Back Yard, Privacy, Wood
RoofShingle
ConstructionBrick
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedSeptember 26, 2026
Days on Market2
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

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

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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