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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 Courtyards at Mayport, Jacksonville.

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Active·97 days on market·Courtyards at Mayport

103 Courageous Court N 103

Jacksonville, FL 32233

$185,000$179/sqftEst. $1,025/mo mortgageMLS# 2120483
↓ $15,000 below original list
2
Beds
2
Baths
1,035
Sq Ft
1986
Built
—
Garage
No
Pool

4 more homes for sale in Courtyards at Mayport →Search Courtyards at Mayport on the map

FEMA Zone XHOA $463/mo436 sqft lotCondominium2 stories

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About this home

Courtyards at Mayport

Great location near Atlantic Beach and Mayport schools. This split level style plan features a guest room down w/ private bath along with upstairs owner's suite and full bath. Wood grain plank tile flooring throughout. Soaring two level ceilings create an open, bright feel w/ skylights! Recently renovated!

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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$1,025
Property taxesest. at asking price, Duval County$302
HOAbilled monthly$463
Estimated total, before insurance$1,790/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,787/yr · $232/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

$185,000
$37,000
Loan Term
Monthly Payment
$1,025
Principal & Interest: $1,025
Property taxes (est.): $302
Insurance (est.): $123
Estimated Total Monthly
$1,450
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 1986)

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

Likely sewer

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,708 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$180,000$141,724—
2024$181,000$128,840—
2023$205,000$117,128—
2022$161,500$106,480—
2021$125,950$96,800—
2020$88,000$88,000—

2025 property taxes (current owner): $2,787/yr

Estimated taxes if purchased at asking price: ~$3,600/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

  • Aug 7, 2026Price change$185,000−$10,000
  • Jul 17, 2026Price change$195,000−$5,000
  • Jun 20, 2026Listed$200,000

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 $151/sq ft; this home is listed at $179/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1101 W Defender Court 1101, Jacksonville, FL 32233Listed by REALHOME SERVICES AND SOLUTIONS INCAug 2026$137,000$1322/21,035470
2102 Challenger Court E 2102, Atlantic Beach, FL 32233Listed by CHAD AND SANDY REAL ESTATE GROUPApr 2026$179,900$1742/21,035130
1703 Challenger Court W 1703, Jacksonville, FL 32233Listed by FULL HOUSE REALTYApr 2026$150,500$1452/21,035670
1501 Challenger Court W, Jacksonville, FL 32233Listed by RE/MAX UNLIMITEDJul 2026$149,000$1722/2864120.1
791 Assisi Lane 1503, Jacksonville, FL 32233Listed by JWB REALTY LLCOct 2026$157,500$1473/1.51,0741610.4
791 Assisi Lane 2105, Jacksonville, FL 32233Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$162,000$1513/1.51,074290.4

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$185,000
Price / Sq Ft$179
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,035
Acres0.01 acres
Year Built1986
TypeResidential
Sub-TypeCondominium
StatusActive
Has PoolNo
Is WaterfrontNo

School Information

This listingNo schools reported in the MLS
ElementaryAnchor Academy, reported on 5 other Courtyards Mayport listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address103 Courageous Court N 103, Jacksonville, FL 32233
Area242-Mayport
SubdivisionCourtyards Mayport
CityJacksonville
CountyDuval
StateFL
Zip Code32233
Lot Size435.6 sq ft
Parcel Number1688710106

Amenities

UtilitiesCable Available, Cable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Assigned

Interior

Interior FeaturesCeiling Fan(s), Guest Suite, His and Hers Closets, Primary Bathroom - Tub with Shower, Split Bedrooms, Vaulted Ceiling(s)
AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, In Unit, Washer Hookup
Window FeaturesSkylight(s)
SecuritySmoke Detector(s)

Exterior

Exterior FeaturesCourtyard
RoofShingle
ConstructionFiber Cement
Road SurfaceAsphalt

Additional Information

Date ListedJuly 17, 2026
Days on Market195
HOA Fees$463 / Monthly
HOA FrequencyMonthly
Tax Amount$2,786.54
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS PV

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.

The neighborhood

About Courtyards at Mayport

Courtyards at Mayport is a neighborhood in Atlantic Beach, FL (Duval County), ZIP 32233.

View all Courtyards at Mayport homes for sale →

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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