This home is in Jacksonville.
Active·5 days on market
2387 Rusty Lakes Lane
Jacksonville, FL 32221
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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
NEW ROOF JUNE 2026! NEW CARPET MAY 2026! FRESH INTERIOR PAINT! Welcome to this spacious waterfront home in Adams Lake, offering one of the community's largest floor plans! With 7 bedrooms, 3 full baths, and flexible living spaces, it's ideal for entertaining or multigenerational living. The main floor features an owner's suite, second bedroom, and private office. Upstairs offers five additional bedrooms, a large laundry room, and an oversized bonus room perfect for a theater, playroom, or second living area. The inviting kitchen boasts 42-inch maple cabinets, granite countertops, and a generous island for gathering. Relax on the screened lanai overlooking peaceful pond and preserve views with no rear neighbors! Enjoy a 3-car garage, an expansive lot extending beyond the fence, low HOA fees, and NO CDD fees. With major updates already completed, this home is ready for your personal touch. Don't miss the 3D tour—schedule your showing today!
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: Shingle — year not disclosed (home built 2005)
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: ~1,653 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 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.
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 park or preserve
Camp Milton Historic Preserveabout 4 mi · 1.3 mi of trails
Closest public boat ramp
Curtis Lee Johnson Marina Park Public Boat Ramp (aka. Lighthouse Marina)about 7 mi · Cedar River
Closest kayak & paddleboard launch
Stinson Park Paddlecraft and Dinghy Dockabout 9 mi · Ortega River
Closest youth league fields
Bishop John Snyder High Schoolabout 2 mi · Baseball, Basketball, Football, Soccer, Volleyball
Closest grocery store
Publixabout 0.4 mi · 11341 Normandy 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 | $392,297 | $392,297 | — |
| 2024 | $404,996 | $404,996 | ▼ $3,071 |
| 2023 | $426,249 | $426,249 | — |
| 2022 | $390,052 | $313,273 | ▲ $15,950 |
| 2021 | $284,794 | $284,794 | — |
| 2020 | $261,741 | $261,741 | — |
2025 property taxes (current owner): $7,326/yr
Estimated taxes if purchased at asking price: ~$9,400/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 (2025), NEFMLS.
History
Price & status history
- Oct 24, 2026Active$480,000
- Oct 21, 2026Listed$480,000
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 $133/sq ft; this home is listed at $116/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 11453 Brian Lakes Drive, Jacksonville, FL 32221Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jan 2026 | $375,000 | $120 | 4/2.5 | 3,127 | 54 | 0.1 |
| 2472 Tanner Lake Court, Jacksonville, FL 32221Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $399,000 | $115 | 5/2.5 | 3,477 | 4 | 0.2 |
| 2511 Britney Lakes Lane, Jacksonville, FL 32221Listed by LIST NOW REALTY | Nov 2025 | $375,000 | $122 | 4/2.5 | 3,083 | 154 | 0.5 |
| 4023 Sherman Hills Parkway W, Jacksonville, FL 32210Listed by MARK SPAIN REAL ESTATE | Jul 2026 | $480,000 | $134 | 5/3 | 3,590 | 47 | 1.5 |
| 10932 Torrin Road, Jacksonville, FL 32221Listed by LPT REALTY LLC | Sep 2025 | $475,000 | $145 | 4/4.5 | 3,277 | 138 | 1.6 |
| 11167 Limerick Drive, Jacksonville, FL 32221Listed by MOMENTUM REALTY | Oct 2026 | $445,000 | $133 | 5/3 | 3,346 | 57 | 1.7 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS ST JOHNS
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
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