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This home is in Jacksonville.

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Active

Active·200 days on market

8294 Collins Road

Jacksonville, FL 32244

$419,000$205/sqftEst. $2,161/moMLS# 2125737

Beds

Baths

2,048

Sq Ft

1978

Built

Garage

Pool

About this home

Jacksonville

Completely remodeled and thoughtfully maintained, this beautiful home offers peace of mind with all major updates completed within the last 10 years (including increasing the capacity of septic system to add a future bathroom in additional bonus room if desired). Inside, you'll find durable LVP flooring and tile throughout, complemented by stunning quartz countertops and a cozy wood-burning fireplace that anchors the living space. An additional spacious living room provides flexible space for entertaining and inside laundry room for convenience. Enjoy outdoor living from the welcoming front porch, all set on an oversized ±0.84-acre lot with plenty of room to spread out. A rare three-car detached garage provides ample space for vehicles, storage, or a workshop. With no HOA, you'll appreciate the freedom and flexibility this property offers

Cost to own

Mortgage calculator

Home Price

$419,000

Down Payment: 20%

$83,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,161

Principal & Interest: $2,161

Property taxes (est.): $684

Insurance (est.): $279

Estimated Total Monthly

$3,124

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,161

Property taxesest. at asking price, Duval County$684

Estimated total, before insurance$2,845/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,177/yr · $181/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	$296,520	$90,165	—
2024	$285,583	$86,917	▲ $4,967
2023	$277,953	$82,930	▲ $19,211
2022	$249,039	$79,059	▲ $18,864
2021	$199,638	$75,300	—
2020	$173,535	$73,571	—

2025 property taxes (current owner): $2,177/yr

Estimated taxes if purchased at asking price: ~$8,200/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: material not specified — year not disclosed (home built 1978)

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

Septic system (public record) · Public water (record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,751 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