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Active

Active·149 days on market

7852 Playa Del Rey Court

Jacksonville, FL 32256

$189,000$108/sqftEst. $973/moMLS# 2135558

Beds

Baths

1,743

Sq Ft

1974

Built

—

Garage

Pool

About this home

Jacksonville

PLS NOTE: PER HOA ROOF WAS REPLACED 2017. Seller can accomodate a quick close and move-in!! Seeking a smart investment in a home that offers both quality and long-term value? This meticulously maintained condo provides the space of a single-family home without the hefty price tag. Enjoy premium finishes and comfortable spaces that will stand the test of time. This is an opportunity to own a home where value meets comfort. Recent upgrades, including a new HVAC system installed in 2022 and a new roof in 2023, providing energy efficiency and reduced maintenance costs. The laminate flooring throughout offers durability and easy upkeep. The primary suite boasts an updated bathroom, adding to the home's long-term appeal. Stainless appliances are included. The screened-in back patio extends the living area and provides a great space for relaxation. The convenient location near transit and walkable to dining and retail adds to the home's value, making daily errands a breeze.

Cost to own

Mortgage calculator

Home Price

$189,000

Down Payment: 20%

$37,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$973

Principal & Interest: $973

Property taxes (est.): $309

Insurance (est.): $126

Estimated Total Monthly

$1,407

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$973

Property taxesest. at asking price, Duval County$309

HOAbilled monthly$650

Estimated total, before insurance$1,931/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,105/yr · $175/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,105/yr

Estimated taxes if purchased at asking price: ~$3,700/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, 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 — 2017 per the listing

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

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: ~1,707 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

As of August 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