This home is in Jacksonville.

1 / 45

Active

Active·132 days on market

4822 Windrush Ln Lane A-4-A

Jacksonville, FL 32217

$165,500$102/sqftEst. $881/moMLS# 2133710

Beds

Baths

1,622

Sq Ft

1973

Built

—

Garage

Pool

About this home

Jacksonville

Seller is offering $5 ,000 toward buyer's closing costs with an acceptable offer, full home inspections done including 4point making this a great opportunity for first-time buyers or anyone looking to reduce upfront expenses. Welcome to this charming and affordable home in a convenient Jacksonville location! This property offers a fantastic opportunity for homeowners and investors alike. Step inside to discover a comfortable layout with spacious living areas, abundant natural light, and great potential to make it your own. The home provides a functional floor plan perfect for everyday living and entertaining. Major updates completed in 2023, giving buyers added peace of mind, including: New Roof (2021) These improvements make this home move-in ready while still offering excellent value. Conveniently located near shopping, dining, schools, and major roadways, providing easy access to everything Jacksonville has to offer.Schedule your showing today!

Cost to own

Mortgage calculator

Home Price

$165,500

Down Payment: 20%

$33,100

Interest Rate: 6.55%

Loan Term

Monthly Payment

$841

Principal & Interest: $841

Est. Taxes & Insurance: $210

Estimated Total Monthly

$1,052

*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$881

Property taxesest. at asking price, Duval County$270

HOAbilled monthly$534

Estimated total, before insurance$1,685/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	$139,500	$25,000	—
2024	$139,500	$25,000	—
2023	$144,000	$25,000	—
2022	$105,000	$25,000	—
2021	$85,000	$25,000	—
2020	$79,000	$25,000	—

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.

Hurricane evacuation zone D

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

Roof: material not specified — 2021 per the listing

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

Likely septic

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,622 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