This home is in Georgetown Townhomes, Jacksonville.

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Active

Active·244 days on market·Georgetown Townhomes

4510 Congressional Drive

Jacksonville, FL 32246

$319,900$149/sqftEst. $1,631/moMLS# 2119321

Beds

Baths

2,142

Sq Ft

2007

Built

Garage

Pool

About this home

Georgetown Townhomes

This is a 3 story, 4 Bedroom/3.5 Bath, one-car attached garage Townhouse. Located on the Southside of Jacksonville in the gated Georgetown community. This Preserve view unit offers plenty of great features including granite counter tops, newer carpet flooring throughout the living areas, fresh paint, a covered patio on the first floor and a open air balcony on the second floor! The Georgetown community offers a community pool, a cabana, fitness center and is walking distance to the St. John's Town Center. Don't miss out on your opportunity, Call today to schedule your appointment !

Cost to own

Mortgage calculator

Home Price

$319,900

Down Payment: 20%

$63,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,631

Principal & Interest: $1,631

Property taxes (est.): $522

Insurance (est.): $213

Estimated Total Monthly

$2,367

*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$1,631

Property taxesest. at asking price, Duval County$522

HOAbilled monthly$436

Estimated total, before insurance$2,589/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,459/yr · $455/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	$306,542	$306,542	—
2024	$298,076	$286,102	—
2023	$294,272	$260,093	—
2022	$273,551	$236,449	—
2021	$214,954	$214,954	▼ $8,090
2020	$216,840	$216,840	—

2025 property taxes (current owner): $5,459/yr

Estimated taxes if purchased at asking price: ~$6,300/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: Shingle — year not disclosed (home built 2007)

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: ~1,679 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

Price & status history

Nov 24, 2025Listed$319,900

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

Features

Price$319,900

Price / Sq Ft$149

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,142

Acres0.04 acres

Year Built2007

TypeResidential

Sub-TypeTownhouse

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Community Information

Address4510 Congressional Drive, Jacksonville, FL 32246

Area023-Southside-East Of Southside Blvd

SubdivisionGeorgetown Townhomes

CityJacksonville

CountyDuval

StateFL

Zip Code32246

Lot Size1,742.4 sq ft

Parcel Number1677273700

Amenities

AmenitiesPool, Fitness Center, Gated, Maintenance Grounds

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener, Guest

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingHeat Pump

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories3

LevelsThree Or More

LaundryIn Unit

SecuritySecurity Gate, Smoke Detector(s)