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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 Under Contract

Active Under Contract·111 days on market

9366 Thunderbolt Drive

Jacksonville, FL 32221

$300,000$155/sqftEst. $1,589/moMLS# 2123289
3
Beds
2
Baths
1,932
Sq Ft
2004
Built
2
Garage
No
Pool
FEMA Zone XHOA $22/mo6,970 sqft lotSingle Family Residence1 story

About this home

Jacksonville

Welcome home to this well-maintained 3-bedroom, 2-bath residence located in the Pinecrest subdivision of the Normandy Estates area. This home offers a spacious family room plus a den just off the kitchen, providing flexible living and entertaining spaces. The kitchen features a center island with sink and ample cabinet storage, and flows seamlessly into a separate dining room. Sliding glass doors open to a large, fenced backyard with a lanai, perfect for relaxing or outdoor gatherings. The primary suite includes a walk-in closet, dual (his and her) sinks, a soaking tub, and a separate shower. Two additional bedrooms share a full bath. Conveniently located near I-10 and I-295, this home offers an easy commute to Downtown Jacksonville and is close to restaurants, shopping, and everyday conveniences. A great opportunity to enjoy comfort, space, and location all in one.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$1,589
Property taxesest. at asking price, Duval County$490
HOAbilled annually$22
Estimated total, before insurance$2,100/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,616/yr · $385/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

$300,000
$60,000
Loan Term
Monthly Payment
$1,589
Principal & Interest: $1,589
Property taxes (est.): $490
Insurance (est.): $200
Estimated Total Monthly
$2,279
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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: Shingle — year not disclosed (home built 2004)

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: ~1,771 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

Last sold: $310,000 in April 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$239,547$239,547 $3,778
2024$244,052$244,052 $8,825
2023$244,525$69,982 $18,525
2022$217,843$66,488 $18,822
2021$168,524$63,096
2020$158,848$61,535

2025 property taxes (current owner): $4,616/yr

Estimated taxes if purchased at asking price: ~$5,900/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 3, 2026Listed$300,000

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

Features

Price$300,000
Price / Sq Ft$155
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,932
Acres0.16 acres
Year Built2004
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive Under Contract
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address9366 Thunderbolt Drive, Jacksonville, FL 32221
Area062-Crystal Springs/Country Creek Area
SubdivisionPinecrest
CityJacksonville
CountyDuval
StateFL
Zip Code32221
Lot Size6,969.6 sq ft
Parcel Number0090623945

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Vinyl
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

FencingBack Yard
RoofShingle
ConstructionFrame, Stucco
Road SurfaceAsphalt

Additional Information

Date ListedJune 3, 2026
Days on Market159
HOA Fees$262.5 / Annually
HOA FrequencyAnnually
Tax Amount$4,615.86
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MOMENTUM REALTY · jan@jaxeliterealtor.com

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

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20+ years · 500+ closings · NE Florida

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