This home is in Jacksonville.

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Active

Active·330 days on market

4908 Key Lime Drive 201

Jacksonville, FL 32256

$187,400$164/sqftEst. $997/moMLS# 2104798

Beds

Baths

1,145

Sq Ft

2012

Built

—

Garage

Pool

About this home

Jacksonville

Welcome to Summer Key! This 3-bedroom, 2-bath condo offers 1,145 sq ft of comfort and convenience with an open layout, well-appointed kitchen, indoor laundry, private balcony, and an owner's suite featuring a walk-in closet and ensuite bath. A Trane HVAC adds to the worry-free lifestyle. Summer Key residents enjoy resort-style amenities including a clubhouse, pool, fitness center, indoor basketball gym, fireside lounge, game and media rooms, playground, and walking/jogging paths. Built in 2012 and located in a gated community, this condo is perfect for young professionals, students, or investors seeking a strong rental property near UNF and St. Johns Town Center. Conveniently close to JTB, I-95, I-295, shopping, dining, and entertainment. Priced at $187,400, this is one of Jacksonville's best values for space, location, and amenities.

Cost to own

Mortgage calculator

Home Price

$187,400

Down Payment: 20%

$37,480

Interest Rate: 6.55%

Loan Term

Monthly Payment

$953

Principal & Interest: $953

Est. Taxes & Insurance: $238

Estimated Total Monthly

$1,191

*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$997

Property taxesest. at asking price, Duval County$306

HOAbilled monthly$295

Estimated total, before insurance$1,598/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	$176,000	$59,703	▲ $6,000
2024	$170,000	$57,313	—
2023	$170,000	$54,188	—
2022	$149,000	$51,154	—
2021	$122,000	$48,208	—
2020	$115,500	$46,853	—

2024 property taxes (current owner): $1,212/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.

Outside all hurricane evacuation zones

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

Roof: Shingle — year not disclosed (home built 2012)

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

Solar potential: ~1,796 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