This home is in Jacksonville.

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Active Under Contract

Active Under Contract·129 days on market

8227 Lobster Bay Court 106

Jacksonville, FL 32256

$174,900$151/sqftEst. $931/moMLS# 2134143

Beds

Baths

1,158

Sq Ft

2007

Built

—

Garage

Pool

About this home

Jacksonville

Welcome to Summer Key, a DESIRABLE gated community in Jacksonville's Southside! This FIRST FLOOR 2BR/2BA condo is MOVE-IN READY and FULLY RENOVATED. You'll love the new FLOORING, freshly painted interior, and upgraded lighting. The kitchen features NEW APPLIANCES and an in-unit washer/dryer. Plus, enjoy peace of mind with a 1-YEAR-OLD AC! The split-bedroom layout offers privacy. Relax on your PRIVATE back porch with peaceful wooded views and no rear neighbors. Located steps from the clubhouse, residents enjoy a resort pool, gym, indoor basketball, and nature trails. This dog-friendly community is just minutes from St. Johns Town Center, UNF, and top hospitals.

Cost to own

Mortgage calculator

Home Price

$174,900

Down Payment: 20%

$34,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$889

Principal & Interest: $889

Est. Taxes & Insurance: $222

Estimated Total Monthly

$1,111

*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$931

Property taxesest. at asking price, Duval County$286

HOAbilled monthly$384

Estimated total, before insurance$1,600/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	$155,500	$155,500	▼ $12,000
2024	$167,500	$158,389	—
2023	$167,500	$143,990	—
2022	$145,000	$130,900	—
2021	$119,000	$119,000	—
2020	$109,000	$25,000	—

2025 property taxes (current owner): $2,779/yr

Estimated taxes if purchased at asking price: ~$3,400/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 2007)

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

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: ~1,763 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