This home is in eTown, Jacksonville.

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Active·224 days on market·eTown

10947 Town View Drive

Jacksonville, FL 32256

$579,000$320/sqftEst. $3,082/moMLS# 2120389

Beds

Baths

1,807

Sq Ft

2024

Built

Garage

Pool

About this home

eTown

INCREDIBLE VIEW! Wake up every morning to breathtaking water views with three water fountains sparkling across a large pond just beyond the wall of rear windows. Enjoy your morning coffee on the extended lanai while watching the outdoor TV, or simply relax to the peaceful sounds of the fountains as ducks and their ducklings glide across the water. This beautifully updated 2-bedroom, 2-bath home with a flex room featuring French doors offers far more than builder-grade construction. With over $60,000 in builder upgrades and an additional $8,00 in homeowner enhancements, this home has been thoughtfully customized throughout. Homeowner improvements include: Fenced rear yard, designer light fixtures, outdoor ceiling fans, LVP in the primary bedroom (carpet removed), enhanced landscaping, LG refrigerator, window treatment rods. Premium builder upgrades include: crown molding & window sill throughout, upgraded front door, four rear sliding glass doors maximizing water views, upgraded

Cost to own

Mortgage calculator

Home Price

$579,000

Down Payment: 20%

$115,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,943

Principal & Interest: $2,943

Est. Taxes & Insurance: $736

Estimated Total Monthly

$3,679

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$3,082

Property taxesest. at asking price, Duval County$945

HOAbilled monthly$315

Estimated total, before insurance$4,342/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Last sold: $596,200 in January 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$477,430	$477,430	▲ $5,000
2024	$110,000	$96,800	—
2023	$95,000	$88,000	—
2022	$80,000	$80,000	—
2021	$75,000	$73,127	—

2025 property taxes (current owner): $10,232/yr

Estimated taxes if purchased at asking price: ~$11,300/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: material not specified — year not disclosed (home built 2024)

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

Solar potential: ~1,748 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History