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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.

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Active

$218,7403 bd · 2.5 ba · 1,496 sq ft

Active·1 day on market

3983 Haymon Avenue

Jacksonville, FL 32220

$218,740$146/sqftEst. $1,193/mo mortgageMLS# 2171567
3
Beds
2.5
Baths
1,496
Sq Ft
2023
Built
1
Garage
No
Pool
FEMA Zone XHOA $88/mo2,614 sqft lotTownhouse2 stories

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About this home

Jacksonville

Super cute 3/2.5 almost new townhome (2023) in built-out community with low HOA fees. Townhome is move-in ready - Seller has taken meticulous care of the unit. Spacious family room connects to the kitchen, which features an eat-in area, pantry, laundry closet, along with Stainless Steel appliances including a flat-top stove, refrigerator, microwave and dishwasher. Neutral colors throughout the unit. Laundry room is inside the unit on the first floor. Nice patio out back to put the grill. Nice one car size garage with opener. Tile floors in kitchen, pantry, laundry area and baths - carpet in family room, hallway and bedrooms. Super owners suite with its own bathroom. Two more good-size bedrooms located upstairs, along with a convenient guest bath. Convenient extra guest parking lot located off of the cut-da-sac. Unit is located a short drive to main roads to downtown Jacksonville, NAS Jacksonville, the international airport and the beaches.

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$1,193
Property taxesest. at asking price, Duval County$357
HOAbilled quarterly$88
Estimated total, before insurance$1,638/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$218,740
$43,748
Loan Term
Monthly Payment
$1,193
Principal & Interest: $1,193
Property taxes (est.): $357
Insurance (est.): $146
Estimated Total Monthly
$1,696
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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 F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: Shingle — year not disclosed (home built 2023)

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

Solar potential: ~1,619 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

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.

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.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:41 AM, sunset 6:41 PM.

  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • The front of the home carries the hot western afternoon instead of your living space.

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): $353/yr

Estimated taxes if purchased at asking price: ~$4,300/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 30, 2026Listed$218,740

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 $156/sq ft; this home is listed at $146/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
9154 Tender Lane, Jacksonville, FL 32220Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$224,000$1613/2.51,3952020.1
4021 Bay Hawk Court, Jacksonville, FL 32220Listed by FORWARD REAL ESTATE INVESTMENT GROUP LLCJun 2026$205,000$1712/2.51,202730.1
9144 Tender Lane, Jacksonville, FL 32220Listed by OLYMPUS EXECUTIVE REALTY, INCJun 2026$215,000$1542/2.51,3951260.1
9148 Tender Lane, Jacksonville, FL 32220Listed by OLYMPUS EXECUTIVE REALTY, INCJun 2026$215,000$1542/2.51,39580.1
9189 Tender Lane, Jacksonville, FL 32220Listed by OLYMPUS EXECUTIVE REALTY, INCOct 2026$214,000$1532/2.51,39500.2
9170 Tender Lane, Jacksonville, FL 32220Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$217,000$1562/2.51,39500.2

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

Price$218,740
Price / Sq Ft$146
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,496
Acres0.06 acres
Year Built2023
TypeResidential
Sub-TypeTownhouse
StyleContemporary
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo
Direction FacesWest

School Information

ElementaryThomas Jefferson
MiddleJean Ribault
HighJean Ribault

Community Information

Address3983 Haymon Avenue, Jacksonville, FL 32220
Area081-Marietta/Whitehouse/Baldwin/Garden St
SubdivisionWestlake Estates Townhomes
CityJacksonville
CountyDuval
StateFL
Zip Code32220
Lot Size2,613.6 sq ft
Parcel Number0033440960
ZoningResidential

Amenities

AmenitiesMaintenance Grounds
Community FeaturesSidewalks, Street Lights, Curbs
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Attached, Garage Door Opener, Guest

Interior

Interior FeaturesEat-in Kitchen, Primary Bathroom - Tub with Shower
AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile
FireplaceNo
# of Fireplaces0
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

Exterior

Patio / PorchFront Porch, Patio
RoofShingle
ConstructionFiber Cement
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedOctober 30, 2026
Days on Market1
HOA Fees$265 / Quarterly
HOA FrequencyQuarterly
HOA NameWestlake Estate Townhomes HOA
HOA Fee IncludesMaintenance Grounds
Tax Amount$353.4
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

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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