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This home is in Jacksonville.

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Active

Active·148 days on market

10420 Big Tree Circle W

Jacksonville, FL 32257

$219,000$219/sqftEst. $1,117/moMLS# 2133862

Beds

Baths

999

Sq Ft

1983

Built

—

Garage

Pool

About this home

Jacksonville

Welcome home to this charming 2-bedroom, 1-bath townhome nestled in a peaceful, tree-lined setting that offers both tranquility and convenience. This inviting single-story residence features a private patio--perfect for enjoying your morning coffee or hosting guests. The open-concept layout seamlessly connects the living, dining, and kitchen areas, creating an ideal space for entertaining. Cozy up by the fireplace for relaxing evenings and memorable gatherings. The home also includes two designated parking spaces for added convenience. Ideally located near shopping, dining, and everyday amenities, this property delivers comfort, style, and accessibility. Don't miss your opportunity to make this delightful townhome your own!

Cost to own

Mortgage calculator

Home Price

$219,000

Down Payment: 20%

$43,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,117

Principal & Interest: $1,117

Property taxes (est.): $358

Insurance (est.): $146

Estimated Total Monthly

$1,620

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,117

Property taxesest. at asking price, Duval County$358

HOAbilled monthly$370

Estimated total, before insurance$1,844/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.

Cost to own

Taxes & assessment

Last sold: $212,000 in June 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$166,473	$166,473	—
2024	$166,824	$116,824	—
2023	$163,688	$163,688	—
2022	$129,809	$129,809	—
2021	$103,575	$103,575	▲ $4,000
2020	$96,587	$96,587	▲ $7,152

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.

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 1983)

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

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: ~1,262 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