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.

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Active

Active·178 days on market

5009 Grand Lakes Drive S

Jacksonville, FL 32258

$413,900$199/sqftEst. $2,130/moMLS# 2130682

Beds

Baths

2,085

Sq Ft

2003

Built

Garage

Pool

About this home

Jacksonville

Rare Lakefront Opportunity in Grand Lakes - New Roof & No CDD! Welcome home to 5009 Grand Lakes Drive South, a beautifully maintained 4-bedroom, 2-bathroom single-story retreat offering sweeping views of the community lake. Homes in the highly desirable Grand Lakes neighborhood rarely hit the market, making this a unique opportunity to secure a prime property with reasonable HOA dues ($300/year) for 2026 and absolutely NO CDD fees. From the moment you pull up, the exceptional curb appeal stands out, featuring a quaint brick-enclosed mailbox, fresh exterior paint, pristine landscaping, and a brand-new roof (installed January 2026). Flanked by matching coach lights, the two-car garage opens into a dedicated laundry room for maximum everyday convenience. Step inside to a bright, welcoming entryway where a large transom window over the front door floods the home with natural light. The heart of the home is the spacious kitchen, boasting vaulted ceilings, ample cabinet storage, and a

Cost to own

Mortgage calculator

Home Price

$413,900

Down Payment: 20%

$82,780

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,130

Principal & Interest: $2,130

Property taxes (est.): $676

Insurance (est.): $276

Estimated Total Monthly

$3,082

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$2,130

Property taxesest. at asking price, Duval County$676

HOAbilled annually$25

Estimated total, before insurance$2,831/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,205/yr · $517/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	$349,761	$349,761	▲ $24,171
2024	$326,567	$321,202	—
2023	$357,812	$292,002	—
2022	$344,646	$265,457	—
2021	$241,325	$241,325	—
2020	$224,903	$224,903	▲ $1,808

2025 property taxes (current owner): $6,205/yr

Estimated taxes if purchased at asking price: ~$8,100/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.

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 2003)

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: ~1,750 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