This home is in Jacksonville.
$389,5003 bd · 2 ba · 1,424 sq ft
Active·38 days on market
4639 Martingale Road
Jacksonville, FL 32210
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
What you've been waiting for is here! Don't miss the opportunity to own this beautifully updated three-bedroom, two-bathroom home in the Westfield area of Jacksonville, Florida. Thoughtfully refreshed with modern finishes and comfortable living spaces, this home is move-in ready and designed to feel like home from the moment you walk through the door. nside, you'll find ceiling fans throughout, stylish stone countertops in the kitchen, and beautifully updated bathrooms featuring a clean, contemporary look. The combination of modern updates and functional living spaces creates an inviting atmosphere that's perfect for everyday living or entertaining family and friends. Located in West Jacksonville, this home offers convenient access to shopping, dining, recreation, major roadways, and other everyday amenities, making it easy to enjoy everything the area has to brings to the table.
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.
Hurricane evacuation zone C
Zone C evacuates after zones A, B in an approaching storm.
Roof: Shingle — year not disclosed (home built 1952)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · Public water · JEA
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,551 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 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, 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.
Closest beach parking
19th Ave Nabout 19 mi · 15 parking spaces
Closest park or preserve
Tillie K. Fowler Regional Parkabout 2 mi · 4 mi of trails
Closest public boat ramp
Wayne B Stevens Parkabout 1 mi · Ortega River
Closest kayak & paddleboard launch
Seminole Park Paddlecraft Accessabout 0.8 mi · Ortega River
Closest youth league fields
Westside Middle School Parkabout 2 mi · Baseball, Softball, Football, Basketball, Soccer, Volleyball
Closest grocery store
Winn-Dixieabout 1 mi · 5647 Roosevelt Blvd, Jacksonville
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $225,259 | $225,259 | — |
| 2024 | $224,408 | $217,515 | — |
| 2023 | $220,437 | $197,741 | — |
| 2022 | $215,118 | $179,765 | — |
| 2021 | $163,423 | $163,423 | — |
| 2020 | $148,928 | $122,734 | ▲ $6,000 |
2025 property taxes (current owner): $4,380/yr
Estimated taxes if purchased at asking price: ~$7,600/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 (2025), NEFMLS.
History
Price & status history
- Nov 3, 2026Price change$389,500−$5,499
- Oct 23, 2026Price change$394,999−$5,000
- Oct 2, 2026Listed$399,999
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 $257/sq ft; this home is listed at $274/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4525 Water Oak Lane, Jacksonville, FL 32210Listed by COWFORD REALTY & DESIGN LLC | Oct 2026 | $379,000 | $267 | 3/2 | 1,422 | 157 | 0.1 |
| 4531 Milstead Road, Jacksonville, FL 32210Listed by UNITED REAL ESTATE GALLERY | Oct 2026 | $330,000 | $257 | 3/2 | 1,284 | 106 | 0.1 |
| 2721 Algonquin Avenue, Jacksonville, FL 32210Listed by KELLER WILLIAMS ST JOHNS | Oct 2026 | $455,000 | $307 | 3/2 | 1,482 | 32 | 0.6 |
| 4313 Hiawatha Street, Jacksonville, FL 32210Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $355,000 | $228 | 3/1.5 | 1,556 | 66 | 0.7 |
| 5136 Big Forest Lane, Jacksonville, FL 32210Listed by HERRON REAL ESTATE LLC | Oct 2026 | $295,000 | $218 | 3/2 | 1,354 | 9 | 1 |
| 4616 Timuquana Road, Jacksonville, FL 32210Listed by EXP REALTY LLC | Nov 2026 | $167,000 | $134 | 3/1 | 1,250 | 101 | 1.1 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY AT THE PARKS
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
Is this home priced right?
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines