This home is in Jacksonville.

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Active

Active·154 days on market

10336 Pinehurst Drive

Jacksonville, FL 32218

$195,000$132/sqftEst. $994/moMLS# 2124421

Beds

Baths

1,480

Sq Ft

1956

Built

—

Garage

Pool

About this home

Jacksonville

WELCOME HOME. This SINGLE-STORY HOME WITH 3 BEDROOMS, 1 FULL BATH, AND 1 HALF BATH offers a 2021 ROOF ! The interior features SEPARATE LIVING AND DINING AREAS, providing defined spaces for everyday living. The kitchen is positioned independently from the main living areas, offering a traditional floor plan. Natural light enhances the main living spaces, while the bedroom layout supports privacy and functionality. Situated on a SPACIOUS LOT, the yard allows flexibility for outdoor use or future improvements, subject to buyer verification. The property includes a CARPORT FOR COVERED PARKING. Located near major roadways, shopping, dining, and essential services, this home provides ACCESS TO KEY JACKSONVILLE DESTINATIONS INCLUDING DOWNTOWN AND NAS JAX. A great opportunity for buyers seeking PRACTICAL LIVING SPACE AND A WELL-POSITIONED LOCATION. Buyers to verify all information, Home is AS-IS.

Cost to own

Mortgage calculator

Home Price

$195,000

Down Payment: 20%

$39,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$994

Principal & Interest: $994

Property taxes (est.): $318

Insurance (est.): $130

Estimated Total Monthly

$1,443

*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$994

Property taxesest. at asking price, Duval County$318

Estimated total, before insurance$1,313/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,304/yr · $275/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

Last sold: $140,000 in November 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$152,759	$94,338	—
2025	$206,091	$155,369	▲ $22,777
2024	$140,972	$90,972	—
2024	$132,622	$132,622	▲ $7,500
2023	$142,239	$92,239	—
2023	$155,503	$121,237	▲ $24,126
2022	$139,264	$89,264	—
2022	$125,834	$110,216	—
2021	$25,061	$25,061	—
2021	$100,197	$100,197	▲ $2,000
2020	$24,779	$24,779	—
2020	$94,985	$94,985	—

2025 property taxes (current owner): $3,304/yr

Estimated taxes if purchased at asking price: ~$3,800/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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — 2021 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,451 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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