This home is in Jacksonville.
Active·510 days on market
5400 La Moya Avenue 24
Jacksonville, FL 32210
About this home
Jacksonville
Beautifully updated 3BR/2.5BA end-unit condo in a quiet, tucked-away community with partial ownership of the private dock on Fishing Creek, a rare opportunity for boating, fishing, or relaxing by the water. While not directly waterfront, the community is, with water views visible from the dock. Inside, enjoy an open floor plan with a recently renovated kitchen, vaulted ceilings, and a spacious living area that opens to a private fenced patio perfect for gathering with friends. A convenient half bath is located downstairs. Upstairs features a primary suite with private balcony, plus two additional bedrooms and a full bath positioned across the hallway for added privacy. The 2-car garage offers laundry and extra storage. Major updates include a new roof (2025) and HVAC (2018). Don't miss this unique opportunity to own in one of the area's best-kept hidden gems! **a few photos have been virtually staged**
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $120,000 | $120,000 | — |
| 2024 | $120,000 | $25,000 | — |
| 2023 | $120,000 | $25,000 | — |
| 2022 | $92,000 | $25,000 | — |
| 2021 | $92,000 | $24,583 | — |
| 2020 | $92,000 | $23,899 | — |
2024 property taxes (current owner): $503/yr
Estimated taxes if purchased at asking price: ~$3,700/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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — 2025 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Sewer & public water · JEA Water/Sewer
County records indicate this parcel on central sewer served by JEA Water/Sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,534 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 homeAs 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
- Feb 27, 2025Listed$189,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: LINDA STRICKLAND REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines