This home is in Jacksonville.

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Active

Active·130 days on market

2085 Mills Road

Jacksonville, FL 32216

$378,000$212/sqftEst. $1,921/moMLS# 2131777

Beds

Baths

1,783

Sq Ft

1956

Built

Garage

Yes

Pool

About this home

Jacksonville

Rare opportunity: 1.8 acres in the heart of 32216! ***$10000 Seller Concession provided to buyer towards repairs/closing cost***This 3Bed/2Bath single family home offers 1783 square feet of living space and a massive private backyard rarely found in this part of town. The home features newly updated bathrooms and a modern kitchen complete with new stainless-steel appliances and an island cook top! Relax about your classic masonry fireplace or enjoy the private pool featuring a newly screened lanai. This private oasis is a blank canvas ready for your personal touch, offering the serenity wooded lot and the benefit of being less than two miles from I-95 and State Road 202. Uniquely situated in the Tiger Hole Secret Woods neighborhood with no HOA fees! This prime South Side location provides quick access to Hospitals and the St. John's Town Center. Approximately 1.8 acres of exceptional space and access to Pottsburg Creek makes this property a must see!

Cost to own

Mortgage calculator

Home Price

$378,000

Down Payment: 20%

$75,600

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,921

Principal & Interest: $1,921

Est. Taxes & Insurance: $480

Estimated Total Monthly

$2,402

*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$1,921

Property taxesest. at asking price, Duval County$617

Estimated total, before insurance$2,539/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	$292,619	$109,178	—
2024	$278,866	$96,147	▼ $791
2023	$272,817	$91,891	▲ $20,957
2022	$242,555	$87,759	—
2021	$212,235	$83,747	▲ $5,382
2020	$202,240	$81,901	▲ $5,183

2025 property taxes (current owner): $2,484/yr

Estimated taxes if purchased at asking price: ~$7,400/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 3,305 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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1956)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,367 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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