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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·330 days on market

11 Northside Drive S 202

Jacksonville, FL 32218

$189,200$177/sqftEst. $1,048/moMLS# 2118073
↓ $700 below original list
2
Beds
1.5
Baths
1,068
Sq Ft
1996
Built
1
Garage
No
Pool
FEMA Zone XHOA $205/mo1,307 sqft lotTownhouse2 stories

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About this home

Jacksonville

DOWN PAYMENT ASSISTANCE available, see documents in MLS for details. MOVE IN READY TOWNHOME - updated kitchen appliances, new flooring, and fresh paint. HVAC replaced in 2023. One car garage. 11 minutes to Jacksonville International Airport, ideal lock and leave property or rental investment. Roof was replaced in 2015. View All 27 photos and virtual floor plan now. FULL DETAILS:

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$1,048
Property taxesest. at asking price, Duval County$309
HOAbilled monthly$205
Estimated total, before insurance$1,562/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$1,428/yr · $119/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

$189,200
$37,840
Loan Term
Monthly Payment
$1,048
Principal & Interest: $1,048
Property taxes (est.): $309
Insurance (est.): $126
Estimated Total Monthly
$1,483
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Hurricane evacuation zone E

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

Roof: Shingle — 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: ~1,711 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

YearMarket valueTaxable valueChange
2025$175,040$124,318—
2022$118,257$33,669—
2021$99,035$31,233—
2020$89,420$30,112—

2024 property taxes (current owner): $1,428/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.

History

Price & status history

  • Oct 7, 2026Price change$189,200−$100
  • Sep 30, 2026Price change$189,300−$100
  • Sep 23, 2026Price change$189,400−$100
  • Sep 16, 2026Price change$189,500−$100
  • Sep 9, 2026Price change$189,600−$100
  • Sep 2, 2026Price change$189,700−$100
  • Aug 26, 2026Price change$189,800−$100
  • Nov 14, 2025Listed$189,900

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $201/sq ft; this home is listed at $177/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
162 Brazil Nut Circle, Jacksonville, FL 32218Listed by CENTURY COMMUNITIES OF FLORIDAJun 2026$244,990$2012/2.51,220351.2
166 Brazil Nut Circle, Jacksonville, FL 32218Listed by CENTURY COMMUNITIES OF FLORIDAJun 2026$244,990$2012/2.51,220151.2
198 Brazil Nut Circle, Jacksonville, FL 32218Listed by CENTURY COMMUNITIES OF FLORIDAJul 2026$245,990$2022/2.51,220371.3

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$189,200
Price / Sq Ft$177
Bedrooms2
Bathrooms1.50
Full Baths1
Half Baths1
Square Footage1,068
Acres0.03 acres
Year Built1996
TypeResidential
Sub-TypeTownhouse
Property ConditionUpdated/Remodeled
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo

School Information

ElementaryOceanway
MiddleOceanway
HighFirst Coast

Community Information

Address11 Northside Drive S 202, Jacksonville, FL 32218
Area092-Oceanway/Pecan Park
SubdivisionPine Lakes
CityJacksonville
CountyDuval
StateFL
Zip Code32218
Lot Size1,306.8 sq ft
Parcel Number1082350203

Amenities

UtilitiesCable Available, Electricity Available, Sewer Connected, Water Available
Water SourcePublic
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Jack and Jill Bath, Pantry, Primary Bathroom - Shower No Tub
AppliancesDishwasher, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Laminate, Tile
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, In Garage, Washer Hookup
SecuritySecurity Gate

Exterior

Patio / PorchPatio
RoofShingle
ConstructionStucco
Road SurfaceAsphalt

Additional Information

Date ListedNovember 15, 2025
Days on Market327
HOA Fees$205 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesMaintenance Grounds, Sewer
Tax Amount$1,427.96
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: LISA DUKE REALTY LLC

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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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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