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This home is in Jacksonville.

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Active

Active·219 days on market

245 Aralia Lane

Jacksonville, FL 32216

$250,000$186/sqftEst. $1,289/moMLS# 2059030

Beds

Baths

1,346

Sq Ft

2020

Built

Garage

Pool

About this home

Jacksonville

Aralia Place is an affordable DR Horton Townhome Community located off Atlantic. Close to restaurants, shopping, airport, the beach, St Johns Town Center you name it! You can easily fo see a Jaguars game, Aralia Place has plans with smart energy efficiency built into each unit! With no CDD this home is an amazing value in a Great Location. Flooring all throughout the downstairs has been upgraded to plank food from the original carpet. Fabulous Find

Cost to own

Mortgage calculator

Home Price

$250,000

Down Payment: 20%

$50,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,289

Principal & Interest: $1,289

Property taxes (est.): $408

Insurance (est.): $167

Estimated Total Monthly

$1,864

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,289

Property taxesest. at asking price, Duval County$408

HOAbilled quarterly$86

Estimated total, before insurance$1,783/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$2,994/yr · $250/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$193,961	$143,239	—
2024	$202,338	$148,601	▲ $7,640
2023	$202,496	$142,817	▲ $8,021
2022	$187,201	$137,201	▼ $5,640
2021	$153,118	$153,118	—

2024 property taxes (current owner): $2,994/yr

Estimated taxes if purchased at asking price: ~$4,900/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 C

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

Roof: material not specified — year not disclosed (home built 2020)

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

Solar potential: ~1,757 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