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546 Monty Lane, Jacksonville, FL 32225

$325,000

MLS# 2130276

Bedrooms

Bathrooms

1,193

Sq Ft

2021

Year Built

About This Home — 546 Monty Lane

Welcome to this beatifull house, which is like a new, with less than 4 years of construction, this house has its own water resource and septic tank, do not pay more public services, near the shops and school, a spectacular place to call it home

Features

Price$325,000

Price / Sq Ft$272

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,193

Acres0.23 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Community Information

Address546 Monty Lane, Jacksonville, FL 32225

Area042-Ft Caroline

SubdivisionAtlantic Blvd Estate

CityJacksonville

CountyDuval

StateFL

Zip Code32225

Lot Size10,018.8 sq ft

Parcel Number1631160050

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

Water SourcePrivate, Well

ParkingGarage

Interior

AppliancesDishwasher, Dryer, Electric Oven, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

# of Stories1

Additional Information

Date ListedFebruary 16, 2026

Days on Market113

Tax Amount$4,738.34

Tax Year2025

Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan

55+ CommunityNo

New ConstructionNo

Mortgage Calculator

Home Price

$325,000

Down Payment: 20%

$65,000

Interest Rate: 7.00%

Loan Term

Monthly Payment

$1,730

Principal & Interest: $1,730

Est. Taxes & Insurance: $432

Estimated Total Monthly

$2,162

*Estimates based on 30-year loan at 7% APR. Actual payments may vary.

True Monthly Cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.0% · 30yr$1,730

Property taxesest. at asking price, Duval County$530

Estimated total, before insurance$2,260/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.

Taxes & Assessment

Year	Market value	Taxable value	Change
2025	$245,436	$245,436	—

2025 property taxes (current owner): $4,738/yr

Estimated taxes if purchased at asking price: ~$6,400/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.

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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 2021)

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

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.