This home is in Deercreek, Jacksonville.

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Active

Active·370 days on market·Deercreek

9927 Chelsea Lake Road

Jacksonville, FL 32256

$649,500$231/sqftEst. $3,457/moMLS# 2098262

Beds

Baths

2,807

Sq Ft

1993

Built

Garage

Pool

About this home

Deercreek

Priced to sell plus $10,000 SELLER CREDIT to Buyer towards Closing Costs, Interest Rate Buy-Down, etc. Enjoy a casual resort lifestyle in Deercreek, Jacksonville's favorite gated community, with this 4 bed/3 bath home w/ Bonus Room! The Living Room, Dining Room, Family Room & Bonus Room are spacious enough for family & friends. Stunning Kitchen & Breakfast Area are open to the Family Room. Wall of windows offers a view of the large backyard and serene lake. Screened Patio is the perfect spot to enjoy your morning coffee! Upstairs Bonus Room can be a quiet getaway. Primary Bedroom suite includes two walk-in closets, linen closet and ensuite bath. Deercreek is centrally located and convenient to downtown, Mayo Clinic, the Beaches, St Augustine, restaurants, retail and major roads. Deercreek Country Club and its amenities including golf, tennis, pool, fitness and dining is a separate optional fee based membership

Cost to own

Mortgage calculator

Home Price

$649,500

Down Payment: 20%

$129,900

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,301

Principal & Interest: $3,301

Est. Taxes & Insurance: $825

Estimated Total Monthly

$4,127

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$3,457

Property taxesest. at asking price, Duval County$1,061

HOAbilled quarterly$154

Estimated total, before insurance$4,671/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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	$561,024	$311,502	—
2024	$537,055	$302,016	▲ $45,401
2023	$509,169	$291,764	—
2022	$462,427	$281,810	—
2021	$379,735	$272,146	—
2020	$362,928	$267,699	—

2024 property taxes (current owner): $5,769/yr

Estimated taxes if purchased at asking price: ~$12,700/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 1993)

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: ~1,677 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Jul 11, 2025Listed$649,500

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

Features

Price$649,500

Price / Sq Ft$231

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,807

Acres0.32 acres

Year Built1993

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address9927 Chelsea Lake Road, Jacksonville, FL 32256

Area024-Baymeadows/Deerwood

SubdivisionDeercreek

CityJacksonville

CountyDuval

StateFL

Zip Code32256

Lot Size13,939.2 sq ft

Lot Dimensions100 X 140

Parcel Number1678011595

ZoningResidential

Amenities

AmenitiesBasketball Court, Gated, Management - Full Time, Management - Off Site, Park, Pickleball, Playground, Security

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage

ViewLake

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2

LevelsOne and One Half

LaundryElectric Dryer Hookup, In Unit, Sink, Washer Hookup

Security24 Hour Security, Gated with Guard, Security Gate