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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville.

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Active

Active·59 days on market

10988 Stapleton Drive

Jacksonville, FL 32222

$285,000$185/sqftEst. $1,521/moMLS# 2114165
3
Beds
2
Baths
1,537
Sq Ft
2023
Built
2
Garage
No
Pool
FEMA Zone XHOA $72/mo6,098 sqft lotSingle Family Residence1 story

About this home

Jacksonville

SHORT SALE - LENDER APPROVAL REQUIRED. List price has been adjusted to $285,000 based on lender guidance following review of the property valuation. Seller acceptance of an offer does not guarantee lender approval. Final sales price and terms are subject to lender approval. Please allow additional time for lender review and response. Like new 3 bedroom, 2 bath home in Copper Ridge, built in 2023! This barely lived in home offers the feel of new construction without the wait. Featuring an open-concept layout ideal for everyday living and entertaining, the home backs to a serene wooded preserve, providing added privacy and natural views. Copper Ridge offers a brand-new, state of-the-art amenities center and is conveniently located near Oakleaf Town Center with shopping, dining, and entertainment nearby. Move-in ready and a great opportunity in Copper Ridge. Short sale; all offers, price, terms and closing are subject to lender approval. Buyer to verify all information

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$1,521
Property taxesest. at asking price, Duval County$465
HOAbilled quarterly$72
Estimated total, before insurance$2,059/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,921/yr · $410/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$285,000
$57,000
Loan Term
Monthly Payment
$1,521
Principal & Interest: $1,521
Property taxes (est.): $465
Insurance (est.): $190
Estimated Total Monthly
$2,177
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

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 2023)

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

Solar potential: ~1,620 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.

Cost to own

Taxes & assessment

Last sold: $326,400 in July 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$271,877$271,877—
2024$263,576$263,576—
2023$60,000$60,000—

2024 property taxes (current owner): $4,921/yr

Estimated taxes if purchased at asking price: ~$5,600/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.

History

Price & status history

  • Aug 19, 2026Price change$285,000+$30,000
  • Apr 21, 2026Listed$255,000

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

Features

Price$285,000
Price / Sq Ft$185
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,537
Acres0.14 acres
Year Built2023
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address10988 Stapleton Drive, Jacksonville, FL 32222
Area067-Collins Rd/Argyle/Oakleaf Plantation (Duval)
SubdivisionCopper Ridge
CityJacksonville
CountyDuval
StateFL
Zip Code32222
Lot Size6,098.4 sq ft
Parcel Number0163871435
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Available, Water Available
Water SourcePublic
ParkingAttached, Garage
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar
AppliancesDisposal, Electric Oven, Microwave
HeatingCentral
CoolingCentral Air
FlooringCarpet, Laminate
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit

Additional Information

Date ListedJuly 29, 2026
Days on Market334
HOA Fees$216 / Quarterly
HOA FrequencyQuarterly
Tax Amount$4,920.59
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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