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.

1 / 47

Pending

Pending·74 days on market

13762 Victoria Lakes Drive

Jacksonville, FL 32226

$295,000$124/sqftEst. $1,504/moMLS# 2130226

Beds

Baths

2,384

Sq Ft

2004

Built

Garage

Pool

About this home

Jacksonville

A great opportunity to own this pond view Victoria Lakes Home. NEW ROOF less than 1.5 years. Interior needs TLC and updating throughout. Needs new AC,. Bring your vision to make this home your own. Features include a split-bedroom plan, 10 ft. tray ceiling(s), an indoor laundry room, and a screened rear patio [overlooking a man-made pond]. This home also features an eating-space kitchen, wood-burning fireplace, wood flooring, tile flooring, & a custom-built fireplace in the master bedroom. Master bathroom with a garden tub and separate shower. Selling in AS-IS condition. Seller will not be making repairs. The Victoria Lakes community amenities include a community pool, playground, park, nearby trails, and a walking track. This location offers its residents many conveniences and nearby attractions to choose from--the home is close to the Jacksonville International Airport, quick freeway access, the Jacksonville Zoo, and the River City Marketplace.

Cost to own

Mortgage calculator

Home Price

$295,000

Down Payment: 20%

$59,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,504

Principal & Interest: $1,504

Property taxes (est.): $482

Insurance (est.): $197

Estimated Total Monthly

$2,182

*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$1,504

Property taxesest. at asking price, Duval County$482

HOAbilled annually$50

Estimated total, before insurance$2,036/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$2,957/yr · $246/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	$335,593	$150,754	▲ $5,000
2024	$331,621	$145,798	—
2023	$332,925	$140,096	—
2022	$288,661	$134,560	▼ $17,175
2021	$230,378	$128,467	—
2020	$218,873	$126,003	▲ $10,158

2024 property taxes (current owner): $2,957/yr

Estimated taxes if purchased at asking price: ~$5,800/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 — 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: material not specified — year not disclosed (home built 2004)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

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

Solar potential: ~1,714 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

Price & status history

Jul 27, 2026Pending$295,000
May 17, 2026Listed$295,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$295,000

Price / Sq Ft$124

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,384

Total Structure Area3,091 sq ft

Acres0.23 acres

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryOceanway

MiddleOceanway

HighFirst Coast

Community Information

Address13762 Victoria Lakes Drive, Jacksonville, FL 32226

Area096-Ft George/Blount Island/Cedar Point

SubdivisionVictoria Lakes

CityJacksonville

CountyDuval

StateFL

Zip Code32226

Lot Size10,018.8 sq ft

Lot Dimensions9906

Parcel Number1063752085

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Jogging Path, Park, Playground, Spa/Hot Tub, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyWindows

ParkingAttached, Garage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces2

Fireplace FeaturesElectric, Wood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)