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This home is in Jacksonville.

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Active

Active·175 days on market

4371 Crossbow Road

Jacksonville, FL 32208

$177,900$189/sqftEst. $914/moMLS# 2132280

Beds

Baths

943

Sq Ft

1985

Built

—

Garage

Pool

About this home

Jacksonville

Charming, updated, and move-in ready -- this 3-bedroom, 1.5-bath home offers comfortable living with the added bonus of no HOA fees or restrictions. Recently painted inside and out, the home has a fresh, inviting feel and is ready for its next owner to enjoy from day one. Inside, you'll find a spacious living room that provides plenty of room to relax, entertain, or create the perfect gathering space. The kitchen is equipped with stainless steel appliances and a cozy breakfast area ideal for casual meals and everyday living. The primary suite features its own private half bath, while the two additional bedrooms are well-sized and share a full bathroom with a tub/shower combo. Step outside to enjoy the large fenced backyard -- perfect for pets, outdoor entertaining, gardening, or simply unwinding after a long day. The property also includes a one-car carport and an extended driveway with plenty of extra parking space.

Cost to own

Mortgage calculator

Home Price

$177,900

Down Payment: 20%

$35,580

Interest Rate: 6.65%

Loan Term

Monthly Payment

$914

Principal & Interest: $914

Property taxes (est.): $291

Insurance (est.): $119

Estimated Total Monthly

$1,323

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$914

Property taxesest. at asking price, Duval County$290

Estimated total, before insurance$1,204/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,801/yr · $233/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

Last sold: $170,000 in May 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$137,954	$137,954	▲ $9,179
2024	$116,159	$116,159	▼ $341
2023	$121,206	$116,494	▲ $11,090
2022	$105,904	$105,904	—
2021	$88,318	$88,318	▲ $1,350
2020	$76,980	$42,798	▲ $1,350

2025 property taxes (current owner): $2,801/yr

Estimated taxes if purchased at asking price: ~$3,500/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 E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: material not specified — year not disclosed (home built 1985)

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: ~1,713 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