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 Jacksonville — a waterfront home in Jacksonville.

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Active Under Contract

Active Under Contract·351 days on market

5590 La Moya Avenue

Jacksonville, FL 32210

$669,900$223/sqftEst. $3,416/moMLS# 2104689

Beds

Baths

3,001

Sq Ft

1984

Built

—

Garage

Yes

Pool

About this home

Jacksonville

MOTIVATED- PREFORECLOSURE/SHORT SALE!! Recent improvements have been made. Bring your boat, fishing rods, bathing suits, and family...Deep water access DOCK, inground POOL, & Beautifully Renovated Home with space for everyone! Welcome to your own personal slice of Paradise! Fully renovated in 2022, you'll love the new amazing bathrooms, the white kitchen with quartz counters, pool cabana, multiple decks, and the views from the Florida Room! This home is like no other...multi-generational options, you can't beat it! Live in one side of the home and bring your parents, inlaws, or guests along for the other side! Total privacy but the ability to have your own family compound. Roof replaced 2017. Wanting rental income...this would be a perfect AirBNB with no HOA rules or regulations to worry about, it's the perfect spot for anyone to enjoy the sun, fun, pool, and water sports in ONE Location! Priced below the market to move it quickly so get that showing scheduled today!!

Cost to own

Mortgage calculator

Home Price

$669,900

Down Payment: 20%

$133,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,416

Principal & Interest: $3,416

Property taxes (est.): $1,094

Insurance (est.): $447

Estimated Total Monthly

$4,956

*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$3,416

Property taxesest. at asking price, Duval County$1,094

Estimated total, before insurance$4,509/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$11,818/yr · $985/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

Last sold: $813,000 in December 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$637,999	$637,999	—
2024	$641,246	$641,246	▼ $1,760
2023	$666,575	$666,575	—
2022	$279,923	$279,923	—
2021	$217,342	$217,342	▲ $7,156
2020	$205,243	$205,243	—

2024 property taxes (current owner): $11,818/yr

Estimated taxes if purchased at asking price: ~$13,100/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 — 2017 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,080 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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