This home is in Jacksonville.
$191,0003 bd · 2.5 ba · 1,687 sq ft
Active·11 days on market
3734 Verde Gardens Circle
Jacksonville, FL 32218
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Beautiful 3-Bedroom, 2.5-Bath Home in North Jacksonville! Let's find some comfort and convenience in this lovely 3-bedroom, 2.5-bath home located in North Jacksonville! Featuring a spacious layout, a versatile loft perfect for a home office, entertainment area, or additional living space, and a private patio ideal for relaxing or enjoying time outdoors, this home has so much to offer. Enjoy the convenience of a 1-car garage, comfortable living spaces, and a location close to shopping, dining, and everyday essentials. Whether you're looking for extra space to work, relax, or entertain, this home offers the perfect blend of functionality and convenience. Don't miss the opportunity to make this North Jacksonville home yours!
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 D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — year not disclosed (home built 2008)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,654 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
Bluffs Scenic Trail, Big Talbot Island State Parkabout 15 mi · 35 parking spaces
Closest park or preserve
Thomas Creek Conservation Areaabout 5 mi · 4.9 mi of trails
Closest public boat ramp
Lake Bethesda Park – Primitive FMA Ramp (Electric Motors Only)about 2 mi · Bethesda Lake
Closest kayak & paddleboard launch
Lake Bethesda Park – Adaptive Kayak Launchabout 2 mi · Bethesda Pond
Closest youth league fields
Garden City Elementary School Parkabout 1 mi · Baseball, Softball
Closest grocery store
Walmart Supercenterabout 0.2 mi · 12100 Lem Turner Rd, 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
2025 property taxes (current owner): $1,532/yr
Estimated taxes if purchased at asking price: ~$3,700/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 29, 2026Listed$191,000
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 $188/sq ft; this home is listed at $113/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3753 Verde Gardens Circle, Jacksonville, FL 32218Listed by EVERRISE REALTY GROUP LLC | May 2026 | $180,000 | $109 | 3/2.5 | 1,649 | 132 | 0 |
| 12710 Geronimo Place, Jacksonville, FL 32218Listed by D R HORTON REALTY INC | Nov 2026 | $259,940 | $174 | 3/2.5 | 1,492 | 130 | 0.8 |
| 12745 Geronimo Place, Jacksonville, FL 32218Listed by D R HORTON REALTY INC | Jun 2026 | $282,000 | $188 | 3/2.5 | 1,504 | 41 | 0.8 |
| 12743 Geronimo Place, Jacksonville, FL 32218Listed by D R HORTON REALTY INC | Jun 2026 | $285,000 | $189 | 3/2.5 | 1,504 | 45 | 0.8 |
| 12738 Geronimo Place, Jacksonville, FL 32218Listed by D R HORTON REALTY INC | May 2026 | $261,470 | $190 | 3/2.5 | 1,373 | 101 | 0.8 |
| 12758 Geronimo Place, Jacksonville, FL 32218Listed by D R HORTON REALTY INC | May 2026 | $278,000 | $185 | 3/2.5 | 1,504 | 33 | 0.8 |
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: 21ST CENTURY REALTY SERVICES OF JACKSONVILLE
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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Text Krista about this home20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
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