This home is in Jacksonville.
Active Under Contract·165 days on market
5405 Windermere Drive
Jacksonville, FL 32211
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
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).
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.
Sewer records conflict — verify
The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water per the county inventory.
Sources: MLS listing + 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 homeAs 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
Price & status history
- Aug 27, 2026Active Under Contract$249,900
- Mar 18, 2026Listed$249,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS ST JOHNS
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines