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

Active·202 days on market

9108 Timberlin Lake Road

Jacksonville, FL 32256

$599,000$213/sqftEst. $3,089/moMLS# 2115789

Beds

Baths

2,807

Sq Ft

1997

Built

Garage

Pool

About this home

Jacksonville

Location, location location, 4 bedrooms plus a big study room, set up your computer and work from home or make it homeschool classroom. Overlooking the fence backyard of nature preserve, which shows over one acre wood land on the survey. Super quiet and privacy of the world. Can also set up musical equipment in this big den to get relax after work. 3 full bath, walk in pantry, walk in storage room, and three walk in closet, plenty storage space. Hardwood floor throughout , granite counter top, vaulted ceiling in family room. Flat style with big master bedroom, extra sitting area can be anything you wants Epoxy garage floor, and tiled patio. Fully auto sprinkle system with separate meters, and water softener system. No CDD. roof done in 2015. Two AC unit, one is replaced in Oct 2020. Water heater in 2023. Freshly exterior paint 10/2024 and fresh inside painting almost all over Oct 2025

Cost to own

Mortgage calculator

Home Price

$599,000

Down Payment: 20%

$119,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,089

Principal & Interest: $3,089

Property taxes (est.): $978

Insurance (est.): $399

Estimated Total Monthly

$4,466

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$3,089

Property taxesest. at asking price, Duval County$978

HOAbilled annually$57

Estimated total, before insurance$4,124/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$7,913/yr · $659/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	$487,524	$465,842	—
2024	$444,316	$423,493	—
2023	$458,586	$384,994	—
2022	$404,915	$349,995	▼ $8,254
2021	$318,178	$318,178	—
2020	$309,382	$309,382	▲ $5,000

2024 property taxes (current owner): $7,913/yr

Estimated taxes if purchased at asking price: ~$11,700/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: material not specified — 2015 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,720 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