This home is in Jacksonville.

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Active·136 days on market

7039 Deer Lodge Circle 107

Jacksonville, FL 32256

$154,900$144/sqftEst. $824/moMLS# 2130773

Beds

Baths

1,079

Sq Ft

2009

Built

Garage

Pool

About this home

Jacksonville

Beautiful 2-bedroom, 2-bath condo with a 1 car garage in the exclusive GATED community of Windsor Falls! Located in one of the THE BEST locations of all of Jacksonville...convenient to Downtown, Town Center, and the Beaches! Move-in ready with a bright, open layout and plenty of upgrades! The spacious great room offers flexible living and dining space with high ceilings. No carpet throughout the home! Generous primary suite with walk-in closet and spacious shower. Large secondary bedroom has it's own full bathroom with additional ample storage. Well-equipped kitchen with attractive cabinetry, upgraded lighting & appliances, and corian (solid surface) countertops. Interior laundry located near garage. Nice sized attached garage is hard to find for a condo PLUS spacious driveway for extra car parking. Some of the recent upgrades that make this one special include a New High-efficiency A/C installed 2022, NEW Roof 2023, New LVP Flooring in the Bedrooms, and New Refrigerator!

Cost to own

Mortgage calculator

Home Price

$154,900

Down Payment: 20%

$30,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$787

Principal & Interest: $787

Est. Taxes & Insurance: $197

Estimated Total Monthly

$984

*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 · 7.0% · 30yr$824

Property taxesest. at asking price, Duval County$253

HOAbilled monthly$532

Estimated total, before insurance$1,609/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	$153,000	$65,091	—
2024	$153,000	$62,550	—
2023	$165,000	$59,272	—
2022	$136,500	$56,090	—
2021	$103,000	$53,000	—
2020	$96,000	$25,000	—

2025 property taxes (current owner): $1,339/yr

Estimated taxes if purchased at asking price: ~$3,000/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: Shingle — 2023 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,776 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

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.

History