Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Deerwood, Jacksonville — a gated community home in Jacksonville.

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Active

Active·508 days on market·Deerwood

10112 Leisure Lane S

Jacksonville, FL 32256

$238,000$139/sqftEst. $1,224/moMLS# 2078067

Beds

Baths

1,714

Sq Ft

1975

Built

—

Garage

Pool

About this home

Deerwood

New roof, newer windows! Enjoy resort living in this lovely and exceptionally maintained condo, nestled in the 24-hour gated golf and country club community, Deerwood! This home offers low maintenance living, quality finishes, and a spacious outdoor patio. Inside, natural light pours through newer windows, highlighting an open-concept living area perfect for entertaining. The large kitchen boasts ample storage, while the two private en-suite bedrooms offer comfort and style. An extra-large storage closet and covered carport add to the convenience. Whether you're looking for a primary residence or a warm-weather getaway, this gem is move-in ready! Association fee covers water, sewer, trash, roof & exterior maintenance, 24 hour gate & security patrol, Master insurance policy, and all common areas. Optional membership with top-tier amenities—golf, tennis, pickleball, fitness, and dining—just steps from your front door.

Cost to own

Mortgage calculator

Home Price

$238,000

Down Payment: 20%

$47,600

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,224

Principal & Interest: $1,224

Property taxes (est.): $389

Insurance (est.): $159

Estimated Total Monthly

$1,771

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$1,224

Property taxesest. at asking price, Duval County$389

HOAbilled monthly$662

Estimated total, before insurance$2,274/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$1,426/yr · $119/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	$226,500	$72,081	—
2024	$226,500	$69,343	—
2023	$226,500	$65,867	—
2022	$190,500	$62,493	—
2021	$146,000	$59,217	—
2020	$146,000	$57,710	—

2024 property taxes (current owner): $1,426/yr

Estimated taxes if purchased at asking price: ~$4,700/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.

Outside all hurricane evacuation zones

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

Roof: Shingle — year not disclosed (home built 1975)

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

Solar potential: ~1,504 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