This home is in Deercreek, Jacksonville.

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Active

Active·225 days on market·Deercreek

10098 Chester Lake Road E

Jacksonville, FL 32256

$649,500$226/sqftEst. $3,312/moMLS# 2121812

Beds

Baths

2,873

Sq Ft

1993

Built

Garage

Pool

About this home

Deercreek

Stunning corner-lot home in gated Deercreek Country Club with breathtaking golf course views! Freshly painted with new first-floor carpet, this light-filled home features a spacious layout and a versatile upstairs bonus room with full bath--perfect for guests or a private retreat. Unwind on the screened lanai overlooking the fairway and enjoy the best of Florida living. Side-entry garage. Resort-style amenities available with membership.

Cost to own

Mortgage calculator

Home Price

$649,500

Down Payment: 20%

$129,900

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,312

Principal & Interest: $3,312

Property taxes (est.): $1,061

Insurance (est.): $433

Estimated Total Monthly

$4,805

*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$3,312

Property taxesest. at asking price, Duval County$1,061

HOAbilled quarterly$160

Estimated total, before insurance$4,532/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,100/yr · $508/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	$636,293	$342,949	—
2024	$563,926	$332,577	▲ $41,122
2023	$540,895	$321,434	—
2022	$493,155	$310,616	—
2021	$408,822	$300,113	—
2020	$391,655	$295,280	—

2025 property taxes (current owner): $6,100/yr

Estimated taxes if purchased at asking price: ~$12,700/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: Shingle — year not disclosed (home built 1993)

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: ~1,725 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

Jul 21, 2026Active$649,500
Jul 15, 2026Active Under Contract$649,500
Dec 16, 2025Listed$649,500

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

Features

Price$649,500

Price / Sq Ft$226

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,873

Total Structure Area3,689 sq ft

Acres0.42 acres

Year Built1993

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address10098 Chester Lake Road E, Jacksonville, FL 32256

Area024-Baymeadows/Deerwood

SubdivisionDeercreek Cc

CityJacksonville

CountyDuval

StateFL

Zip Code32256

Lot Size18,295.2 sq ft

Parcel Number1678012540

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Gated, Jogging Path, Playground, Security, Tennis Court(s)

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewGolf Course

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs

AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Propane

CoolingCentral Air

FlooringCarpet, Tile, Vinyl

FireplaceYes

# of Fireplaces1

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

SecuritySmoke Detector(s)