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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·29 days on market

2071 James Wilson Way

Jacksonville, FL 32221

$230,000$141/sqftEst. $1,228/moMLS# 2122128
3
Beds
2
Baths
1,626
Sq Ft
2021
Built
2
Garage
No
Pool
FEMA Zone XHOA $46/mo6,534 sqft lotSingle Family Residence1 story

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 333-8595 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville

SHORT SALE ALERT!! Don't miss out on this One of a kind opportunity to get like new construction at a fraction of the cost. This cozy 3/2 tucked away on a quiet cul de sac is priced to sell and sized for the perfect starter home. Light-filled living spaces and an open, flowing layout create an inviting atmosphere perfect for everyday comfort. Modern kitchen includes white quartz counter tops, farmhouse sink, stainless steel appliances and updated cabinets. and Peaceful bedrooms offer a relaxing retreat, while the private backyard invites you to unwind under the Florida sky. Closing Cost Assistance available with our preferred lender! *List Price has been approved by bank for purchase, agents please refer to private remarks** ''All offers MUST be submitted online; please go to ssOffer.com for detailed instructions and to download REQUIRED Addenda.''

Cost to own

True monthly cost

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

Principal & interest20% down · 7.03% · 30yr$1,228
Property taxesest. at asking price, Duval County$376
HOAbilled annually$46
Estimated total, before insurance$1,649/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,878/yr · $323/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

$230,000
$46,000
Loan Term
Monthly Payment
$1,228
Principal & Interest: $1,228
Property taxes (est.): $376
Insurance (est.): $153
Estimated Total Monthly
$1,757
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

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 2021)

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

Solar potential: ~1,688 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$238,460$187,738—
2024$247,955$197,955▲ $32,269
2023$223,663$223,663—
2022$222,557$222,557▼ $4,098

2025 property taxes (current owner): $3,878/yr

Estimated taxes if purchased at asking price: ~$4,500/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

  • Jun 19, 2026Listed$230,000

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

Features

Price$230,000
Price / Sq Ft$141
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,626
Acres0.15 acres
Year Built2021
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address2071 James Wilson Way, Jacksonville, FL 32221
Area065-Panther Creek/Adams Lake/Duval County-SW
SubdivisionLiberty Square South
CityJacksonville
CountyDuval
StateFL
Zip Code32221
Lot Size6,534 sq ft
Parcel Number0020500735

Amenities

AmenitiesPool, Dog Park, Playground
UtilitiesCable Available, Sewer Connected, Water Connected
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Kitchen Island, Primary Bathroom - Tub with Shower, Solar Tube(s), Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Electric Water Heater, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1

Additional Information

Date ListedSeptember 1, 2026
Days on Market199
HOA Fees$548 / Annually
HOA FrequencyAnnually
Tax Amount$3,877.85
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: JPAR CITY AND BEACH

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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