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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 Sandalwood High School.

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Active·Listed today

320 Scarlet Bugler Lane S 4

Jacksonville, FL 32225

$450,000$208/sqftEst. $2,493/moMLS# 2168522
↓ $19,999 below original list
3
Beds
2
Baths
2,163
Sq Ft
1991
Built
2
Garage
Yes
Pool
HOA $8/mo10,890 sqft lotSingle Family Residence1 story

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville

BRICK POOL HOME + CUL-DE-SAC + 3 BEDROOMS in desirable East Arlington! This spacious 2,163 SF home features a private screened in-ground pool, generous covered patio, split-bedroom floor plan, vaulted ceilings, fireplace, and 2-car garage. The primary suite offers a walk-in closet, dual sinks, soaking tub, and separate shower. Three additional bedrooms provide flexibility for guests, office space, or hobbies. Enjoy true Florida living with an expansive screened pool enclosure and outdoor space ideal for relaxing, dining, and entertaining. Additional highlights include solid brick construction, an approximately quarter-acre homesite, and owned water softener. Located in established Hickory Creek with convenient access to shopping, dining, parks, major roadways, and Jacksonville beaches. A spacious pool home with privacy, functionality, and an excellent East Arlington location.

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$2,493
Property taxesest. at asking price, Duval County$735
HOAbilled monthly$8
Estimated total, before insurance$3,235/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,418/yr · $702/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

$450,000
$90,000
Loan Term
Monthly Payment
$2,493
Principal & Interest: $2,493
Property taxes (est.): $735
Insurance (est.): $300
Estimated Total Monthly
$3,527
*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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1991)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,799 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.

Ask about this home

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 7:24 AM, sunset 7:02 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $8,418/yr

Estimated taxes if purchased at asking price: ~$8,800/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 3,305 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 8, 2026Price change$450,000−$19,999
  • Oct 8, 2026Listed$469,999

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$450,000
Price / Sq Ft$208
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,163
Total Structure Area2,743 sq ft
Acres0.25 acres
Year Built1991
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Screen Enclosure
Is WaterfrontNo
Direction FacesEast

School Information

ElementaryAbess Park
MiddleLandmark

Community Information

Address320 Scarlet Bugler Lane S 4, Jacksonville, FL 32225
Area043-Intracoastal West-North Of Atlantic Blvd
SubdivisionHickory Creek
CityJacksonville
CountyDuval
StateFL
Zip Code32225
Lot Size10,890 sq ft
Lot Dimensions1/4 to 1/2 Acre Lot
Parcel Number1622247985

Amenities

AmenitiesMaintenance Grounds
Community FeaturesSidewalks, Street Lights
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesCeiling Fan(s), Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringTile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1
LevelsOne
LaundryLower Level
SecuritySmoke Detector(s)

Exterior

Lot DescriptionCul-De-Sac
Patio / PorchCovered, Glass Enclosed, Patio, Porch, Screened
FencingFenced, Back Yard
RoofShingle
ConstructionBrick

Additional Information

Date ListedOctober 8, 2026
Days on Market0
HOA Fees$8 / Monthly
HOA FrequencyMonthly
HOA NameHickory Creek Homeowneers Association
HOA Fee IncludesMaintenance Grounds
Tax Amount$8,418.34
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: UNITED REALTY GROUP

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

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20+ years · 500+ closings · NE Florida

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