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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville.

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Sold

Sold·Closed Jul 31, 2026·95 days on market·Recent sales in Jacksonville

11608 Dunes Way Drive N

Jacksonville, FL 32225

$218,000sold priceListed at $218,000 · 100% of asking$191/sqftMLS# 2132310
2
Beds
2
Baths
1,144
Sq Ft
1986
Built
—
Garage
No
Pool
FEMA Zone XNo HOA3,920 sqft lotTownhouse1 story

About this home

Jacksonville

NEW ROOF 2026 already installed . Beautifully lovely 2 bedrooms homes with 2 Full Bathrooms , all laminate floor , fresh paint , fenced, good size backyard for a sitting and barbecue, new kitchen cabinet with new granite counter top , updated and remodeled bathrooms .NO HOA , NO CDD great for first time buyer or investment property, New AC replaced on Oct 2025.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,208
Property taxesest. at asking price, Duval County$356
Estimated total, before insurance$1,563/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,701/yr · $225/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$218,000
$43,600
Loan Term
Monthly Payment
$1,208
Principal & Interest: $1,208
Property taxes (est.): $356
Insurance (est.): $145
Estimated Total Monthly
$1,709
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 — 2026 per the listing

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

Likely sewer

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,404 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$132,326$132,326—
2024$132,705$132,705▲ $3,991
2023$128,148$128,148—
2022$113,614$113,614—
2021$93,157$15,096—
2020$86,606$14,543—

2025 property taxes (current owner): $2,701/yr

Estimated taxes if purchased at asking price: ~$4,300/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.

History

Price & status history

  • Aug 2, 2026Closed$218,000
  • Jul 14, 2026Active Under Contract$218,000
  • Feb 27, 2026Listed$218,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $149/sq ft; this home is listed at $191/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
11659 Dunes Way Drive N, Jacksonville, FL 32225Listed by REALTY ZOOMAug 2026$137,000$1002/21,372510.1
11623 McCormick Road, Jacksonville, FL 32225Listed by HERRON REAL ESTATE LLCDec 2025$218,000$1702/2.51,282410.1
2164 Dunes Way Drive W, Jacksonville, FL 32225Listed by MOMENTUM REALTYAug 2025$199,000$1492/2.51,33960.1
11302 Derringer Circle S, Jacksonville, FL 32225Listed by FLORIDA HOMES REALTY & MTG LLCJul 2026$250,000$1863/21,34240.3
1925 Oak Water Drive, Jacksonville, FL 32225Listed by RE/MAX SPECIALISTSJun 2026$200,000$1422/21,40400.3
11870 Ashbrook Circle N, Jacksonville, FL 32225Listed by COASTAL REALTY JAXMay 2026$185,000$1472/2.51,25810.3

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$218,000
Price / Sq Ft$191
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,144
Acres0.09 acres
Year Built1986
TypeResidential
Sub-TypeTownhouse
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address11608 Dunes Way Drive N, Jacksonville, FL 32225
Area042-Ft Caroline
SubdivisionDunes Townhomes
CityJacksonville
CountyDuval
StateFL
Zip Code32225
Lot Size3,920.4 sq ft
Parcel Number1612011168

Amenities

UtilitiesWater Connected
SewerPublic Sewer
Water SourcePublic
ParkingOff Street, Parking Lot

Interior

AppliancesConvection Oven, Dishwasher, Disposal, Electric Cooktop, Electric Range, Freezer, Ice Maker, Refrigerator
HeatingCentral, Electric
CoolingAttic Fan
FlooringLaminate
FireplaceYes
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Lower Level
SecuritySmoke Detector(s)

Exterior

Patio / PorchScreened
FencingFenced
RoofShingle

Additional Information

Date ListedFebruary 27, 2026
Days on Market95
Tax Amount$2,701.03
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 31, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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