This home is in Jacksonville.

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Active Under Contract

Active Under Contract·116 days on market

1425 Pinetree Road

Jacksonville, FL 32207

$499,500$259/sqftEst. $2,539/moMLS# 2136671

Beds

Baths

1,928

Sq Ft

1940

Built

Garage

Pool

About this home

Jacksonville

Don't miss this charming brick home in the San Marco Area! This classic bungalow offers over 1,900 sq ft - 4 bedrooms, 2 baths on a deep lot with room for a pool. You'll love the abundance of natural light, elegant wood floors, and thoughtful touches that make this home truly special. Welcome friends & family into the spacious living room with a wood-burning fireplace. Separate dining room flows into the kitchen, featuring generous cabinetry, a beverage bar w/ wine rack, and ample prep space for all your culinary adventures. Retreat to the private primary suite, complete with its own fireplace, walk-in closet, and walk-in Shower. 3 additional bedrooms provide comfort and flexibility. Relax on the large wraparound deck, overlooking a shady backyard. The front sunroom adds versatility -- perfect for an office, art studio, or playroom and the inside laundry room adds everyday convenience. Walk to Hendricks Ave Elementary or bike into San Marco Square.

Cost to own

Mortgage calculator

Home Price

$499,500

Down Payment: 20%

$99,900

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,539

Principal & Interest: $2,539

Est. Taxes & Insurance: $635

Estimated Total Monthly

$3,174

*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 · 6.55% · 30yr$2,539

Property taxesest. at asking price, Duval County$816

Estimated total, before insurance$3,355/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	$459,920	$454,297	—
2024	$412,998	$412,998	▼ $218
2023	$390,293	$390,207	—
2022	$381,339	$354,734	▲ $24,502
2021	$322,486	$322,486	▲ $7,950
2020	$334,640	$323,935	—

2025 property taxes (current owner): $8,479/yr

Estimated taxes if purchased at asking price: ~$9,800/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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 1940)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,561 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 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