This home is in Jacksonville.

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Active Under Contract

Active Under Contract·150 days on market

5556 Kellar Circle

Jacksonville, FL 32218

$300,000$150/sqftEst. $1,525/moMLS# 2129944

Beds

Baths

2,006

Sq Ft

2021

Built

Garage

Pool

About this home

Jacksonville

Welcome to this beautifully maintained Lennar-built Trevi model, offering 4 true bedrooms and 3 full bathrooms in the sought-after gated community of Osprey Landing. Built in 2021 and recently updated with new carpet and fresh interior paint, this home is clean, modern, and move-in ready. The spacious open-concept layout includes tile flooring in the main living areas, a large kitchen with 36-inch staggered cabinets, and an inviting living and dining space perfect for entertaining. The split-bedroom floor plan offers flexibility for families and guests. The private 4th bedroom features its own full bath, making it the perfect en-suite or guest suite. A peaceful backyard with room to run. Quiet community setting while still being close to everything, just minutes from River City Marketplace, Jacksonville International Airport, major highways, and local schools. Don't miss your chance to own this well-designed and well-located Northside home. Schedule your tour today.

Cost to own

Mortgage calculator

Home Price

$300,000

Down Payment: 20%

$60,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,525

Principal & Interest: $1,525

Est. Taxes & Insurance: $381

Estimated Total Monthly

$1,906

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). 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 · 6.55% · 30yr$1,525

Property taxesest. at asking price, Duval County$490

HOAbilled annually$56

Estimated total, before insurance$2,071/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

Last sold: $231,000 in December 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$280,721	$280,721	—
2024	$286,237	$286,237	—
2023	$294,754	$294,754	—
2022	$265,963	$265,963	—
2021	$40,000	$40,000	—
2020	$42,500	$42,500	—

2025 property taxes (current owner): $5,364/yr

Estimated taxes if purchased at asking price: ~$5,900/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 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: ~1,744 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