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Active

Active·91 days on market

5511 Cruz Road

Jacksonville, FL 32207

$170,000$143/sqftEst. $867/moMLS# 2134017

Beds

Baths

1,185

Sq Ft

1938

Built

Garage

Pool

About this home

Jacksonville

Welcome to 5511 Cruz Rd, a classic 1938 Spring Glen home packed with character and major upside! Offering 3 bedrooms, 1.5 baths, a sun-drenched Florida room, a screened front porch, a fully fenced backyard, and a detached 1-car garage/workshop, this floor plan has endless possibilities. Offered strictly AS-IS at an unbeatable price point. Ideal for cash buyers, investors, or owner-occupants looking to customize their home through FHA 203(k) or VA Rehab loans. Bring your vision and unlock instant value in one of Jacksonville's established neighborhoods. Book your showing today!

Cost to own

Mortgage calculator

Home Price

$170,000

Down Payment: 20%

$34,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$867

Principal & Interest: $867

Property taxes (est.): $278

Insurance (est.): $113

Estimated Total Monthly

$1,258

*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$867

Property taxesest. at asking price, Duval County$278

Estimated total, before insurance$1,144/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

Year	Market value	Taxable value	Change
2025	$205,326	$146,288	▲ $5,000
2024	$200,890	$142,134	▲ $6,877
2023	$191,684	$134,087	—
2022	$172,853	$122,853	▲ $60,728
2021	$98,586	$98,586	▼ $20,117
2020	$115,715	$65,715	▲ $15,000

Estimated taxes if purchased at asking price: ~$3,300/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: material not specified — year not disclosed (home built 1938)

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

Septic system (public record) · Public water (record)

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: ~1,482 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