This home is in Jacksonville.

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Active

Active·447 days on market

10566 Scott Mill Road

Jacksonville, FL 32257

$1,199,000Est. $6,113/moMLS# 1247265

Beds

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Garage

Pool

About this home

Jacksonville

River front property is available in The Heart of Mandarin. This Waterfront estate is Large enough to build your Dream House. 2.84 acres with exception of 120'Riverfront. Views of downtown and NAS Jax. You can Boat to any of the local riverfront restaurants, nightlife, Jags games. Some of the best fishing on the St. Johns River is right off your own dock with access to the Intracoastal Waterway and Atlantic Ocean. 330' Dock and double bulkhead, deep water and ocean access. Views of downtown and NAS JAX w minimal road frontage traffic. Enjoy beautiful sunrises and sunsets. The Possibilities are Endless! Also listed as a Residential Listing MLS#1247267

Cost to own

Mortgage calculator

Home Price

$1,199,000

Down Payment: 20%

$239,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$6,113

Principal & Interest: $6,113

Property taxes (est.): $1,958

Insurance (est.): $799

Estimated Total Monthly

$8,870

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.58% · 30yr$6,113

Property taxesest. at asking price, Duval County$1,958

Estimated total, before insurance$8,071/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$1,028,320	$912,704	▲ $2,374
2024	$1,025,859	$829,731	▲ $16,728
2023	$1,009,805	$754,301	—
2022	$766,509	$685,729	▲ $70,282
2021	$691,833	$623,390	—
2020	$566,719	$566,719	—

Estimated taxes if purchased at asking price: ~$23,500/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.

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: material not specified

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

Sewer records conflict — verify

The MLS lists “Private 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: ~1,573 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 July 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.

History