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Active

Active·141 days on market

7920 Merrill Road 408

Jacksonville, FL 32277

$165,000$143/sqftEst. $878/moMLS# 2132205

Beds

Baths

1,157

Sq Ft

2006

Built

—

Garage

Pool

About this home

Jacksonville

Welcome to this well maintained first floor condominium home in a GATED community. Freshly painted throughout, featuring generous 10 ft ceilings, with 3 bedrooms and 2 bathrooms. Easy cleaning with custom tile flooring throughout (NO CARPET)., except master bath. Full kitchen with stainless steel appliances, along with white, stackable washer and dryer. The split-bedroom design ensures privacy for owners and guests. The master bedroom includes a large walk-in closet. An additional storage unit is included which is accessed from the small covered patio. HVAC 9/2021. The tankless water heater , also adds value. This condo has one assigned parking space, but there is plenty of extra parking for an additional vehicle and/or guests. Enjoy the amenity center with clubhouse and pool. This condo home allows for easy access to I-295, JIA (Jacksonville International Airport), the beaches, UNF, and the St Johns Town Center providing excellent restaurants and shopping. Don't miss this o

Cost to own

Mortgage calculator

Home Price

$165,000

Down Payment: 20%

$33,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$839

Principal & Interest: $839

Est. Taxes & Insurance: $210

Estimated Total Monthly

$1,048

*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$878

Property taxesest. at asking price, Duval County$269

HOAbilled monthly$220

Estimated total, before insurance$1,368/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	$149,000	$20,947	—
2024	$149,000	$19,653	—
2023	$149,500	$18,353	—
2022	$118,000	$17,091	—
2021	$90,000	$15,866	—
2020	$88,000	$15,302	—

2025 property taxes (current owner): $401/yr

Estimated taxes if purchased at asking price: ~$3,200/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 — year not disclosed (home built 2006)

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: ~1,670 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

Price & status history

Jul 11, 2026Price change$165,000−$6,000
Feb 26, 2026Listed$171,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$165,000

Price / Sq Ft$143

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,157

Year Built2006

TypeResidential

Sub-TypeCondominium

StyleFlat

StatusActive

Has PoolNo

Is WaterfrontNo

School Information

ElementaryDon Brewer

MiddleLandmark

HighTerry Parker

Community Information

Address7920 Merrill Road 408, Jacksonville, FL 32277

Area041-Arlington

SubdivisionMerrill Pines

CityJacksonville

CountyDuval

StateFL

Zip Code32277

Parcel Number1206092164

ZoningCondominium

Amenities

AmenitiesPool, Clubhouse

UtilitiesCable Available, Electricity Available, Electricity Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Assigned

Interior

Interior FeaturesBreakfast Bar, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Microwave, Refrigerator, Tankless Water Heater, Trash Compactor, Washer, Washer/Dryer Stacked

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LevelsTwo

LaundryElectric Dryer Hookup

SecuritySecurity Gate