This home is in Miramar, Jacksonville.

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Active

Active·148 days on market·Miramar

4155 London Road

Jacksonville, FL 32207

$575,000$244/sqftEst. $2,923/moMLS# 2130620

Beds

Baths

2,355

Sq Ft

1946

Built

Garage

Pool

About this home

Miramar

Historic charm and character meet thoughtful modern updates in this move-in ready home located in one of Jacksonville's most desirable neighborhoods. Filled with natural light, the home blends original appeal with improvements designed for today's lifestyle. The updated kitchen offers cherry cabinets, granite countertops, stainless appliances, and a walk-in pantry. Relax in the cozy living room with a wood-burning fireplace or enjoy the light-filled sunroom. An oversized family room provides incredible flexibility for a home office, playroom, media room, or additional living space. New double-hung windows overlook the fenced backyard and newly built wood deck, perfect for entertaining or unwinding outdoors. Additional features include a newly installed HVAC system, mudroom/laundry room, single-car garage, and updated fixtures. Conveniently located near San Marco, parks, dining, shopping, downtown Jacksonville, and major highways. Schedule your tour today!

Cost to own

Mortgage calculator

Home Price

$575,000

Down Payment: 20%

$115,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,923

Principal & Interest: $2,923

Est. Taxes & Insurance: $731

Estimated Total Monthly

$3,653

*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$2,923

Property taxesest. at asking price, Duval County$939

Estimated total, before insurance$3,862/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	$365,908	$162,724	▼ $33,658
2024	$400,005	$157,431	▼ $105
2023	$406,505	$151,390	▲ $37,482
2022	$358,587	$145,525	▲ $13,800
2021	$303,939	$137,052	—
2020	$284,150	$134,470	▲ $6,900

2025 property taxes (current owner): $3,434/yr

Estimated taxes if purchased at asking price: ~$11,300/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 1946)

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

Septic system (public record) · Public water (record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,557 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