Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville.

1 / 17

Active

Active·223 days on market

6647 Jammes Road

Jacksonville, FL 32244

$698,000$808/sqftEst. $3,588/moMLS# 2125820

Beds

Baths

864

Sq Ft

1980

Built

—

Garage

Pool

About this home

Jacksonville

Rare opportunity to own 5.87 acres zoned Residential Rural (2 or less units per acre), offering privacy, flexibility, and space to bring your vision to life. The property features two modular classroom-style buildings providing versatile interior space, along with a covered carport ideal for parking or equipment storage. With expansive open land and a functional layout, this property is well suited for a variety of residential or compatible rural uses, subject to buyer verification. Enjoy a peaceful rural setting while still maintaining convenient access to Jacksonville amenities, making this a unique offering with both space and potential. 5.87 Acres Zone Commercial Prime location just minutes from downtown a builders dream This property is all Cleared with city sewage and electricity already in place, city lighting on road leading into the property 2 portable modules and sheds +2 containers for storage all included with the property. Owner will remove all personal property.

Cost to own

Mortgage calculator

Home Price

$698,000

Down Payment: 20%

$139,600

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,588

Principal & Interest: $3,588

Property taxes (est.): $1,140

Insurance (est.): $465

Estimated Total Monthly

$5,194

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$3,588

Property taxesest. at asking price, Duval County$1,140

Estimated total, before insurance$4,728/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$173,005	$0	—
2024	$172,717	$0	▼ $153
2023	$176,279	$0	—
2022	$171,552	$0	—
2021	$166,302	$0	—
2020	$165,436	$0	▲ $1,742

2025 property taxes (current owner): $71/yr

Estimated taxes if purchased at asking price: ~$13,700/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: material not specified — year not disclosed (home built 1980)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,484 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