$1,870,000
3845 HARBOR Drive, Jacksonville, FL 32207
Harbor Oaks
- Price
- $1,870,000
- Beds / Baths
- 4 / 4
- Living area
- 4,359 sqft
- Year built
- 2003
- Type
- Residential
- Lot
- 0.97 ac
- Garage
- 2
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Duval
- Days on market
- 69
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.
What to check on this one
- Verify flood zone designation and obtain elevation certificate for St. Johns River waterfront.
- Confirm roof age and condition; obtain 4-point inspection given 2003 build year.
- Review dock, bulkhead, and riparian rights documentation with waterfront real estate attorney.
- Inspect all major system updates (HVAC, plumbing, electrical) for permits and completion dates.
- Verify pool equipment age, permits, and current maintenance contracts.
- Confirm private pond ownership boundaries and any easement or maintenance obligations.
Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.
What this home really costs per month
Loan $1,496,000 at 6.75% · 30 yr
Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.
Listing courtesy of REAL BROKER LLC. Data via realMLS (Northeast Florida MLS), updated Aug 15, 2026, 6:54 PM.
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