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 — a waterfront home in Jacksonville.

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Active

Active·183 days on market

15203 Landmark Circle N

Jacksonville, FL 32226

$408,900$189/sqftEst. $2,085/moMLS# 2128405

Beds

Baths

2,167

Sq Ft

2000

Built

—

Garage

Pool

About this home

Jacksonville

***Motivated Sellers*** Price represents below estimated value Welcome to 15203 Landmark Circle N, a well-maintained home tucked away on a quiet cul-de-sac in the desirable Oceanway area of Jacksonville. This home offers a functional layout with comfortable living spaces filled with natural light, perfect for everyday living and entertaining. Converted garage gives you a beautiful open living space, or convert it into a fully functional primary bedroom. The kitchen features ample cabinet and counter space and opens to the main living areas for easy flow. Enjoy a private backyard ideal for relaxing or hosting gatherings. Practice your fishing with ownership of half the pond, conveniently located near River City Marketplace, Jacksonville International Airport, major highways, shopping, dining, and Kings Bay Naval Base. Well water and septic as well! No more water bill! Don't miss your opportunity to own a home in this established community--schedule your showing today.

Cost to own

Mortgage calculator

Home Price

$408,900

Down Payment: 20%

$81,780

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,085

Principal & Interest: $2,085

Property taxes (est.): $668

Insurance (est.): $273

Estimated Total Monthly

$3,025

*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$2,085

Property taxesest. at asking price, Duval County$668

Estimated total, before insurance$2,753/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,687/yr · $224/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	$332,399	$120,593	—
2024	$314,537	$116,487	—
2023	$316,650	$111,638	▲ $27,956
2022	$278,391	$106,931	▲ $15,325
2021	$223,224	$102,361	▲ $2,872
2020	$214,391	$100,258	▲ $13,869

2025 property taxes (current owner): $2,687/yr

Estimated taxes if purchased at asking price: ~$8,000/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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: material not specified — year not disclosed (home built 2000)

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

Likely septic

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: ~1,436 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