This home is in Cypress Trails, Jacksonville.

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Active

Active·79 days on market·Cypress Trails

99 White Marsh Drive

Jacksonville, FL 32081

$529,000$212/sqftEst. $2,816/moMLS# 2110460

Beds

Baths

2,501

Sq Ft

2015

Built

Garage

Pool

About this home

Cypress Trails

Live the Nocatee lifestyle. This neighborhood is quiet and smaller and has access to all Nocatee's Amenities. This home has been freshly painted throughout & is move in ready. In addition to the four upstairs bedrooms, the house features a flex room on the lower level perfect for an office or playroom. The chef's kitchen is well appointed with granite countertops, gorgeous backsplash & features a gas cooktop & wall mounted double ovens. You'll also enjoy resort style amenities including a pool in Cypress Trails, fitness club, walking and jogging trails and a splash park and also can use the Main Nocatee Amenities Center and Pools.

Cost to own

Mortgage calculator

Home Price

$529,000

Down Payment: 20%

$105,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,689

Principal & Interest: $2,689

Est. Taxes & Insurance: $672

Estimated Total Monthly

$3,361

*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$2,816

Property taxesest. at asking price, Duval County$864

HOAbilled annually$50

Estimated total, before insurance$3,729/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	$504,926	$476,991	▲ $15,000
2024	$491,924	$433,629	—
2023	$521,465	$394,209	—
2022	$434,028	$358,372	—
2021	$325,793	$325,793	—
2020	$305,547	$305,547	—

2024 property taxes (current owner): $8,375/yr

Estimated taxes if purchased at asking price: ~$10,400/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 D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 2015)

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

Solar potential: ~1,765 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