This home is in Jacksonville.

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Active

Active·251 days on market

9194 Prosperity Lake Drive

Jacksonville, FL 32244

$270,750$123/sqftEst. $1,380/moMLS# 2057265

Beds

Baths

2,194

Sq Ft

2006

Built

Garage

Pool

About this home

Jacksonville

4 bedroom, 3 bathroom home in the Watermill Subdivision. As you enter the home you find the formal living room that could make a home office. Opposite that is the formal dining room. The kitchen is spacious with lots of cabinet and counter space. There's a breakfast bar and an eat-in area for your table. The kitchen opens into the nice sized family room. Also downstairs is a spacious guest bedroom. The guest bathroom opens to both the bedroom and hallway. Upstairs you find the large primary bedroom. The attached bathroom has a separate shower and soaking tub. The two upstairs guest bedrooms share the guest bathroom. Enjoy the evenings in the large backyard overlooking a peaceful pond. All this plus a community pool, tennis courts, playground and more. Don't miss this opportunity to fix up a home and make it your own!

Cost to own

Mortgage calculator

Home Price

$270,750

Down Payment: 20%

$54,150

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,380

Principal & Interest: $1,380

Property taxes (est.): $442

Insurance (est.): $181

Estimated Total Monthly

$2,003

*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$1,380

Property taxesest. at asking price, Duval County$442

HOAbilled annually$46

Estimated total, before insurance$1,868/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

Last sold: $278,200 in August 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$258,650	$258,650	—
2024	$259,644	$136,936	▲ $10,000
2023	$267,579	$131,492	▲ $10,000
2022	$248,755	$126,206	—
2021	$183,542	$121,074	—
2020	$168,713	$118,713	▼ $18,950

2023 property taxes (current owner): $2,716/yr

Estimated taxes if purchased at asking price: ~$5,300/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 (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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 2006)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,756 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

Price & status history

Nov 17, 2025Listed$270,750

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$270,750

Price / Sq Ft$123

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,194

Acres0.21 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionFixer

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address9194 Prosperity Lake Drive, Jacksonville, FL 32244

Area067-Collins Rd/Argyle/Oakleaf Plantation (Duval)

SubdivisionWatermill

CityJacksonville

CountyDuval

StateFL

Zip Code32244

Lot Size9,147.6 sq ft

Parcel Number0164308666

Amenities

AmenitiesPool, Basketball Court, Park, Playground, Tennis Court(s)

UtilitiesSewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range, Microwave

HeatingCentral, Heat Pump

CoolingCentral Air

FlooringLaminate

# of Stories2

LevelsTwo

LaundryLower Level