This home is in Jacksonville.

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Active·120 days on market

5405 Windermere Drive

Jacksonville, FL 32211

$249,900$198/sqftEst. $1,330/moMLS# 2135521

Beds

Baths

1,263

Sq Ft

1950

Built

—

Garage

Pool

About this home

Jacksonville

Beautifully remodeled concrete block 3BR/2BA home with in-law suite, just blocks from Jacksonville University! This move-in ready property offers a versatile layout ideal for homeowners or investors. Features include wood-look vinyl flooring throughout living areas, bedrooms, and kitchen, with tile in bathrooms. The updated kitchen showcases stainless steel appliances, range, and dishwasher and opens to a dedicated dining area. Primary suite enjoys a private full bath. Interior washer/dryer hookups. Enjoy a spacious corner lot and backyard to make your own in addition to outdoor shed for extra storage, secure off-street parking with No HOA. Major updates include Roof (2021), HVAC (2021) Recently Serviced 2026, Updated Electrical (2026), Interior Paint (2026), Updated Kitchen (2021), Updated Bathrooms (2021), Water Heater (2021), New Blinds (2026). Convenient to Downtown Jacksonville, Beaches, Town Center and I-295. Don't miss this opportunity--schedule your showing today!

Cost to own

Mortgage calculator

Home Price

$249,900

Down Payment: 20%

$49,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,270

Principal & Interest: $1,270

Est. Taxes & Insurance: $318

Estimated Total Monthly

$1,588

*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$1,330

Property taxesest. at asking price, Duval County$408

Estimated total, before insurance$1,738/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	$161,545	$161,545	—
2024	$151,954	$151,954	—
2023	$150,792	$149,718	▲ $10,157
2022	$136,108	$136,108	▲ $9,962
2021	$108,714	$108,714	—
2020	$95,182	$25,000	▲ $5,043

2025 property taxes (current owner): $3,250/yr

Estimated taxes if purchased at asking price: ~$4,900/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 — 2021 per the listing

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

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: ~1,397 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

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