This home is in Jacksonville.

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Active

Active·135 days on market

1283 Nantucket Avenue

Jacksonville, FL 32233

$399,990$377/sqftEst. $2,039/moMLS# 2129403

Beds

Baths

1,062

Sq Ft

1973

Built

Garage

Pool

About this home

Jacksonville

RENOVATED BUNGALOO A SHORT BIKE RIDE TO ATLANTIC BEACH - EXPANSIVE FENCED BACKYARD FOR THE PUPS! Inside you will find neutral tile throughout for easy beach care, TOTALLY new kitchen with 42'' shaker cabinetry, light grey quartz, backsplash and new stainless appliances. Both bathrooms are renovation with new vanities, shower/tub tile and lighting. Ceilings have a fresh smooth knock-down finish (NO popcorn ceilings like other homes!). Please Note: images may include enhancement to represent ongoing renovations, future landscaping etc.

Cost to own

Mortgage calculator

Home Price

$399,990

Down Payment: 20%

$79,998

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,039

Principal & Interest: $2,039

Property taxes (est.): $653

Insurance (est.): $267

Estimated Total Monthly

$2,959

*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$2,039

Property taxesest. at asking price, Duval County$653

Estimated total, before insurance$2,693/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,383/yr · $449/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	$281,789	$281,789	—
2024	$265,587	$265,587	—
2023	$241,270	$192,728	—
2022	$217,018	$175,208	—
2021	$159,280	$159,280	—
2020	$154,353	$153,081	—

2025 property taxes (current owner): $5,383/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 3,305 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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1973)

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

Likely sewer · FL0038776 - City of Atlantic Beach GIS sewer features

County records indicate this parcel on central sewer served by FL0038776 - City of Atlantic Beach GIS sewer features — no septic system to inspect or maintain.

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

Solar potential: ~1,755 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