3845 HARBOR Drive, Jacksonville, FL, 32207
About This Home
3845 Harbor Drive presents a rare waterfront offering where a full-scale renovation, elevated finishes, and exceptional entertaining spaces come together to create the St. Johns River lifestyle you've been searching for. The home showcases an organic modern design aesthetic with warm contemporary influences, blending clean architectural lines, soft neutral tones, natural textures, designer lighting, and brass accents. Reimagined from top to bottom, this residence balances refined design, thoughtful functionality, and major system updates. The gourmet kitchen is a statement space with upgraded high-end appliances, a prep sink, generous workspace, designer lighting, and seamless flow into the living and dining areas. With private dock access, 85 feet of frontage, and a private pond, Harbor Drive offers more than a beautifully renovated home. It delivers a rare waterfront lifestyle with unique access to boating, dining, downtown Jacksonville, and the best of Northeast Florida living.
Getting Around
Car-Dependent
Some Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2003
Materials
- Roof: Shingle
- Construction materials: Stucco
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Double Oven,Gas Cooktop,Refrigerator
- Laundry features: Electric Dryer Hookup,Washer Hookup
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Features
- Ceiling Fan(s),Entrance Foyer,Open Floorplan,Primary Bathroom -Tub with Separate Shower
- Flooring: Tile
- Number of fireplaces: 1
- Fireplace features: Electric
- Fireplace: Yes
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total interior livable area: 4,359 sqft
Property
Details
- Parcel number: 1297870000
- Zoning description: Single Family
Features
- Stories: 1
- Pool features: In Ground
- Patio & porch: Covered,Front Porch,Rear Porch,Side Porch,Terrace
- Exterior features: Dock
- Fencing: Back Yard,Vinyl
- Has view: Yes
- View description: Bridge(s),City,River
- Has water view: Yes
- Water view: River
- On waterfront: Yes
- Waterfront features: Navigable Water,River Access,River Front
Lot
- Lot size: 0.97 Acres
Parking
- Total spaces: 2
- Parking features: Additional Parking,Attached,Garage
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Coastal Flooding
- Cold Wave
- Hurricane
- Heat Wave
- Lightning
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Duval County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $9,455 | $113,460 |
| Home Insurance * | $2,468 | $29,616 |
| Property Taxes | $2,817 | $33,804 |
| Electricity | $438 | $5,264 |
| Total | $15,178 | $182,136 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-23 | Price change | $1,870,000 |
| 2026-06-24 | Listed for sale | $1,970,000 |
| 2025-10-09 | Sold | $850,000 |
| 2025-09-25 | Pending sale | $899,888 |
| 2025-09-22 | Listed for sale | $899,888 |
| 2025-04-07 | Sold | $800,100 |
| 2025-01-24 | Price change | $1,850,000 |
| 2025-01-11 | Listed for sale | $1,999,999 |
| 2024-05-03 | Listing removed | -- |
| 2024-04-17 | Price change | $1,999,700 |
| 2024-04-01 | Listed for sale | $2,100,000 |
| 2023-09-05 | Listing removed | -- |
| 2023-09-02 | Listed for sale | $2,100,000 |
| 2021-10-05 | Sold | $785,000 |
| 2021-08-26 | Pending sale | $1,100,000 |
| 2021-08-26 | Contingent | $1,100,000 |
| 2021-05-06 | Listed for sale | $1,100,000 |
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