Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville.

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Pending

Pending·133 days on market

9936 Pavnes Creek Drive

Jacksonville, FL 32222

$420,000$190/sqftEst. $2,141/moMLS# 2135642

Beds

Baths

2,213

Sq Ft

2018

Built

Garage

Pool

About this home

Jacksonville

Located in Longleaf, just one mile from Oakleaf Town Center shopping center, this upgraded home features enhanced door casings and stylish lighting and fans. The kitchen offers a custom backsplash, wireless under-cabinet lighting, breakfast bar, eat-in area, Samsung SmartThings microwave and SmartThings oven/range, a new reverse osmosis system, and a pantry with pull-out shelving. Separate dining room for entertaining. Wood-look tile flooring in the main living areas. Three-way split floor plan with front en-suite bedroom, spacious secondary bedrooms, and a primary suite with custom wall detailing and well-appointed bath. Additional upgrades include a brand-new whole-home water softener, whole-home surge protector, and freshly painted interior. Three-car garage with overhead storage and floored attic. Screened patio and extended paver patio with gazebo overlook a private wooded backyard. Amenities include a resort-style pool, lap pool, fitness center, fishing pond, playground w/ no CDD

Cost to own

Mortgage calculator

Home Price

$420,000

Down Payment: 20%

$84,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,141

Principal & Interest: $2,141

Property taxes (est.): $686

Insurance (est.): $280

Estimated Total Monthly

$3,107

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,141

Property taxesest. at asking price, Duval County$686

HOAbilled monthly$76

Estimated total, before insurance$2,903/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,647/yr · $471/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

Last sold: $425,000 in May 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$339,590	$287,453	—
2024	$328,645	$278,645	▲ $11,000
2023	$321,030	$271,030	—
2022	$287,705	$0	—
2021	$231,896	$0	—
2020	$224,706	$0	▲ $5,000

2025 property taxes (current owner): $5,647/yr

Estimated taxes if purchased at asking price: ~$8,200/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.