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 Il Villagio, Jacksonville — a waterfront home in Jacksonville.

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Active

Active·165 days on market·Il Villagio

9745 Touchton Road 1625

Jacksonville, FL 32246

$229,000$198/sqftEst. $1,179/moMLS# 2105377

Beds

Baths

1,159

Sq Ft

2005

Built

—

Garage

Pool

About this home

Il Villagio

Beautiful Waterfront Townhome Enjoy waterfront living in this beautifully maintained townhome! Freshly painted throughout, this home features brand-new upgraded carpeting, a new microwave, and a washer and dryer that convey with the sale. Convenience is key with an assigned parking space directly in front of the unit, plus additional guest parking available in the same lot. Located in a well-maintained community with beautifully landscaped grounds, this move-in-ready home offers comfort, convenience, and a desirable waterfront setting. Don't miss this opportunity to own a charming home in a peaceful community! mming pool, spa, clubhouse, walking trails, tennis courts, basket ball courts and car wash station. Storage closet on patio. Security gate All this in the heart of Town Center & Tinsel Town. with great shopping, restaurants, hospitals aprx 25 min to the Airport. SOME PICS HAVE BEEN VIRTUALLY STAGED.

Cost to own

Mortgage calculator

Home Price

$229,000

Down Payment: 20%

$45,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,179

Principal & Interest: $1,179

Property taxes (est.): $374

Insurance (est.): $153

Estimated Total Monthly

$1,705

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,179

Property taxesest. at asking price, Duval County$374

HOAbilled monthly$410

Estimated total, before insurance$1,962/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,099/yr · $258/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	$193,000	$193,000	—
2024	$193,000	$121,109	—
2023	$193,000	$115,980	—
2022	$166,000	$115,500	—
2021	$125,000	$75,000	—
2020	$125,000	$75,000	—

2024 property taxes (current owner): $3,099/yr

Estimated taxes if purchased at asking price: ~$4,500/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: material not specified — year not disclosed (home built 2005)

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

Likely sewer

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,682 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