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.

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Active Under Contract

Active Under Contract·130 days on market

13033 Sunset Lake Drive

Jacksonville, FL 32258

$190,000$143/sqftEst. $969/moMLS# 2115084

Beds

Baths

1,327

Sq Ft

2006

Built

—

Garage

Pool

About this home

Jacksonville

MOVE-IN READY and INCREDIBLE OPPORTUNITY!! This extra clean CORNER LOCATION TOWNHOME offers additional privacy and extra natural light! On the first level you will find the Family Room, Dining area and Laundry with the washer and dryer included! In addition, the open Kitchen features a new Stainless Side-by-Side Refrigerator, 42'' Cabinets, and a breakfast bar for added seating. Upstairs you will find the Primary Bedroom with two walk-in closets and Garden Tub in the Primary Bath. Also on the second level there is a second Bedroom, second full bath and a bonus loft area, great for a home office. The HOA includes exterior maintenance, yard care, a large pool, a gym and clubhouse. This gated community is perfectly located near shopping, dining and has easy access to I95 and 295.

Cost to own

Mortgage calculator

Home Price

$190,000

Down Payment: 20%

$38,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$969

Principal & Interest: $969

Property taxes (est.): $310

Insurance (est.): $127

Estimated Total Monthly

$1,406

*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$969

Property taxesest. at asking price, Duval County$310

HOAbilled monthly$295

Estimated total, before insurance$1,574/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,984/yr · $332/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	$194,435	$190,098	—
2024	$205,655	$172,817	▲ $10,424
2023	$202,745	$157,107	▲ $37,837
2022	$159,319	$142,825	▼ $5,452
2021	$129,841	$129,841	—
2020	$124,707	$124,707	▲ $6,062

2024 property taxes (current owner): $3,984/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.

Hurricane evacuation zone D

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

Roof: Shingle — year not disclosed (home built 2006)

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

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: ~1,617 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