This home is in Jacksonville.

1 / 36

Active

Active·151 days on market

11511 Sheepshead Lane

Jacksonville, FL 32226

$400,000$185/sqftEst. $2,129/moMLS# 2129108

Beds

Baths

2,165

Sq Ft

2021

Built

Garage

Pool

About this home

Jacksonville

Move-in ready and vacant! This stunning home in the sought-after Alta Lakes community offers a rare opportunity with an assumable VA loan at an incredible 2.5% interest rate for qualified buyers. Enjoy a thoughtfully designed floor plan featuring a modern kitchen with generous pantry space, abundant cabinetry, upgraded flooring, and integrated smart home features throughout. The fully fenced backyard provides the perfect setting for outdoor entertaining, quiet relaxation, or a safe space for pets. Added conveniences include a washer and dryer, security system, and digital thermostats, making everyday living effortless. Ideally located, the home is approximately 20 minutes from Mayport Naval Base, 35 minutes to NAS Jacksonville and Kings Bay, and just 15 minutes from Jacksonville International Airport—offering comfort, efficiency, and exceptional accessibility in one of Jacksonville's premier neighborhoods.

Cost to own

Mortgage calculator

Home Price

$400,000

Down Payment: 20%

$80,000

Interest Rate: 7.00%

Loan Term

Monthly Payment

$2,129

Principal & Interest: $2,129

Est. Taxes & Insurance: $532

Estimated Total Monthly

$2,661

*Estimates based on 30-year loan at 7% APR. Actual payments 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 · 7.0% · 30yr$2,129

Property taxesest. at asking price, Duval County$653

HOAbilled annually$9

Estimated total, before insurance$2,791/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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	$302,563	$302,563	—

2025 property taxes (current owner): $8,358/yr

Estimated taxes if purchased at asking price: ~$7,800/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 3,908 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 D

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

Roof: Shingle — year not disclosed (home built 2021)

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

Solar potential: ~1,743 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History