This home is in Jacksonville.
Active·10 days on market
3648 Cedar Drive
Jacksonville, FL 32207
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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
Big updates, a convenient location, and NO HOA! Welcome to 3648 Cedar Drive, a charming 3-bedroom, 1-bath home offering 1,031 sq ft of bright and comfortable living space. Inside, you'll find a light-filled living room, dedicated dining area, built-in shelving, neutral finishes, and easy-care tile flooring throughout the main living spaces. Major improvements have already been completed, including a 2023 roof, new plumbing in 2022, and 2020 HVAC, as well as beautiful cosmetic updates throughout offering peace of mind and value for the next owner. Outside, the fully fenced backyard provides plenty of room for pets, entertaining, gardening, or creating your own outdoor retreat. Best of all, there's NO HOA, and you're approximately 10 minutes from historic San Marco and Downtown Jacksonville, putting dining, shopping, entertainment, and city life within easy reach.
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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: material not specified — 2023 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: ~1,233 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 homeAs of October 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): $781/yr
Estimated taxes if purchased at asking price: ~$4,400/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 1, 2026Active$225,000
- Sep 30, 2026Listed$225,000
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 $222/sq ft; this home is listed at $218/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3679 Mimosa Drive, Jacksonville, FL 32207Listed by LOWEST FEE REALTY LLC | Sep 2026 | $225,000 | $192 | 3/2 | 1,174 | 5 | 0.1 |
| 4135 Hudnall Road, Jacksonville, FL 32207Listed by COWFORD REALTY & DESIGN LLC | Oct 2026 | $260,000 | $223 | 3/2.5 | 1,168 | 76 | 0.3 |
| 4303 Victor Street, Jacksonville, FL 32207Listed by REAL BROKER LLC | Sep 2026 | $259,990 | $216 | 3/2.5 | 1,201 | 30 | 0.5 |
| 3888 Bolt Avenue, Jacksonville, FL 32207Listed by JWB REALTY LLC | Aug 2026 | $245,000 | $205 | 3/2 | 1,196 | 9 | 0.5 |
| 5102 Damascus Road S, Jacksonville, FL 32207Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $290,000 | $231 | 3/2 | 1,253 | 3 | 0.6 |
| 4977 Connors Street, Jacksonville, FL 32207Listed by FLORIDA HOMES REALTY & MTG LLC | Jul 2026 | $200,000 | $222 | 2/1 | 900 | 134 | 0.6 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: EXP REALTY 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.
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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.
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines