This home is in Jacksonville.
Pending·190 days on market
10303 Pavnes Creek Drive
Jacksonville, FL 32222
About this home
Jacksonville
Step into this beautifully maintained, newer 3-bedroom, 2-bath home tucked away on a quiet dead-end street. Just minutes from the Oakleaf Town Center, it offers the perfect blend of privacy and convenience. The open floorplan provides a bright, seamless flow from the living area to the kitchen, where a new refrigerator and generous workspace make cooking and gathering effortless. Enjoy Florida living on the large screened patio overlooking a fully fenced yard, or take advantage of the community's fantastic amenities, including a refreshing pool, playground, and fitness area. Move in ready and ideally situated, this home delivers the relaxed lifestyle buyers want -- with the added bonus of NO CDD fees.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
Last sold: $330,000 in February 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $286,037 | $0 | — |
| 2024 | $277,244 | $0 | ▲ $11,000 |
| 2023 | $276,389 | $271,898 | — |
| 2022 | $247,180 | $247,180 | — |
| 2021 | $199,172 | $145,903 | — |
| 2020 | $193,199 | $143,199 | ▲ $5,000 |
2025 property taxes (current owner): $384/yr
Estimated taxes if purchased at asking price: ~$6,200/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: Shingle — year not disclosed (home built 2019)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,734 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 homeAs 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
Price & status history
- Jul 9, 2026Pending$313,900
- Jan 21, 2026Listed$313,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BYERS PROPERTIES, INC.
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines