This home is in Jacksonville — a pool home in Jacksonville.
$737,0003 bd · 2.5 ba · 3,234 sq ft
Active·31 days on market
10545 S Flora Springs Road
Jacksonville, FL 32219
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Nestled on just over four acres in a peaceful rural setting , this beautifully maintained estate is centrally located and offers privacy, space and convenience. Enjoy the tranquility of country living while being just a short drive to downtown Jacksonville, shopping, schools, churches and restaurants. This home features 3 bedrooms, 2.5 baths, plus an approximately 16x18 flex room, currently used as a game room, that could easily be converted into a fourth bedroom. A parlor/office with French doors provides the perfect space for working from home or a quiet sitting room. The large kitchen will please even the pickiest of cooks. It is designed for both everyday living and entertaining with all-wood cabinetry, a generous walk-in pantry and a Butler's pantry.
Next steps in Jacksonville
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard (the whole 4.1-acre lot)
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 2006)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public 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: ~1,362 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.
As of September 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Bluffs Scenic Trail, Big Talbot Island State Parkabout 24 mi · 35 parking spaces
Closest park or preserve
Cary State Forestabout 3 mi · 17.7 mi of trails
Closest public boat ramp
Dinsmore Boat Landingabout 5 mi · St. Johns River - Trout River (Jacksonville)
Closest kayak & paddleboard launch
Lake Bethesda Park – Adaptive Kayak Launchabout 7 mi · Bethesda Pond
Closest youth league fields
Dinsmore Park and Community Centerabout 4 mi · Baseball, Softball
Closest grocery store
Winn-Dixieabout 7 mi · 5250 Moncrief Road W, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $425,620 | $301,254 | ▲ $35,260 |
| 2024 | $391,556 | $292,057 | ▼ $1,128 |
| 2023 | $408,732 | $282,095 | — |
| 2022 | $366,864 | $272,423 | ▼ $13,292 |
| 2021 | $316,415 | $263,033 | — |
| 2020 | $308,712 | $258,712 | — |
2025 property taxes (current owner): $5,922/yr
Estimated taxes if purchased at asking price: ~$14,400/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.
History
Price & status history
- Oct 9, 2026Price change$737,000−$5,000
- Oct 7, 2026Pending$742,000
- Sep 18, 2026Price change$742,000−$8,000
- Sep 4, 2026Price change$750,000
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 $157/sq ft; this home is listed at $228/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 7534 Nasturtium Way, Jacksonville, FL 32219Listed by JASON MITCHELL REAL ESTATE FLORIDA, LLC. | Mar 2026 | $330,000 | $144 | 4/3 | 2,297 | 101 | 0.6 |
| 7508 Nasturtium Way, Jacksonville, FL 32219Listed by LOKATION | Apr 2026 | $399,999 | $150 | 4/3 | 2,660 | 183 | 0.7 |
| 7617 Catnip Lane, Jacksonville, FL 32219Listed by LOKATION | Jul 2026 | $380,000 | $161 | 4/2.5 | 2,358 | 1 | 0.8 |
| 9639 Lovage Lane, Jacksonville, FL 32219Listed by LOKATION | Oct 2026 | $358,000 | $157 | 4/2 | 2,286 | 22 | 1 |
| 9644 Lovage Lane, Jacksonville, FL 32219Listed by LOKATION | May 2026 | $385,000 | $168 | 4/3 | 2,297 | 20 | 1 |
| 7233 Calamint Avenue, Jacksonville, FL 32219Listed by OPENDOOR BROKERAGE, LLC. | Nov 2026 | $348,000 | $152 | 4/3 | 2,297 | 22 | 1.2 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: HERRON REAL ESTATE 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.
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Krista Fracke
Broker Associate
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Is this home priced right?
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Northeast Florida living
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