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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville — a gated community home in Jacksonville.

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Sold

Sold·Closed Jul 1, 2026·83 days on market·Recent sales in Jacksonville

7920 Merrill Road 102

Jacksonville, FL 32277

$148,000sold priceListed at $152,000 · 97.4% of asking$128/sqftMLS# 2136677
3
Beds
2
Baths
1,157
Sq Ft
2005
Built
—
Garage
No
Pool
HOA $239/moCondominium1 story

About this home

Jacksonville

[NEWLY UPDATED] [Seller offering a W/D Pkg w/ accepted offer!] You're going to the love this fresh, clean & move-in ready ground floor condo! Offering an open, spacious layout perfect for comfortable living - this home features 3 bedrooms and 2 full bathrooms. The kitchen is generously sized and fully equipped with SS appliances, including a Brand New Range, double-door refrigerator/freezer, Dishwasher & mounted Microwave. Beyond the home itself, enjoy the benefits of living in the gated community of Merrill Pines, complete with great amenities. Take advantage of the sparkling community pool during those hot Florida months or let the kids enjoy the playground just steps away. All of this is offered with low condo fees, making it an excellent value you don't want to miss! [ASK ABOUT AVAILABLE LOAN PROGRAM OFFERING UP TO $12,500 IN ASSISTANCE, HELPING MAKE HOMEOWNERSHIP MORE AFFORDABLE FOR QUALIFIED BUYERS]

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$820
Property taxesest. at asking price, Duval County$242
HOAbilled monthly$239
Estimated total, before insurance$1,300/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$148,000
$29,600
Loan Term
Monthly Payment
$820
Principal & Interest: $820
Property taxes (est.): $242
Insurance (est.): $99
Estimated Total Monthly
$1,160
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2005)

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

Solar potential: ~1,739 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

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$149,000$131,769—
2024$149,000$119,790—
2023$149,500$108,900—
2022$118,000$99,000—
2021$90,000$90,000—
2020$88,000$88,000—

Estimated taxes if purchased at asking price: ~$2,900/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.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $145/sq ft; this home is listed at $131/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
7920 Merrill Road 2004, Jacksonville, FL 32277Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$145,000$1302/21,11800.1
7920 Merrill Road 411, Jacksonville, FL 32277Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$138,900$1482/2940690.1
7920 Merrill Road 1808, Jacksonville, FL 32277Listed by MARK SPAIN REAL ESTATEAug 2026$151,000$1313/21,157460.1
7920 Merrill Road 1205, Jacksonville, FL 32277Listed by US REALTY HUBAug 2026$169,500$1802/2940210.3
8230 Dames Point Crossing Boulevard 1601, Jacksonville, FL 32277Listed by LA ROSA REALTY NORTH FLORIDA, LLC.Jul 2026$160,000$1452/2.51,10000.3
7920 Merrill Road 1107, Jacksonville, FL 32277Listed by HERRON REAL ESTATE LLCJun 2026$158,000$1373/21,157440.3

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$152,000
Price / Sq Ft$131
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,157
Year Built2005
TypeResidential
Sub-TypeCondominium
StyleOther
Property ConditionUpdated/Remodeled
StatusClosed
Has PoolNo
Is WaterfrontNo

School Information

MiddleSelect One

Community Information

Address7920 Merrill Road 102, Jacksonville, FL 32277
Area041-Arlington
SubdivisionMerrill Pines
CityJacksonville
CountyDuval
StateFL
Zip Code32277
Parcel Number1206092006
ZoningResidential

Amenities

AmenitiesPool, Gated, Maintenance Grounds, Playground
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Assigned, Gated, Parking Lot
ViewPool

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Primary Bathroom - Tub with Shower, Split Bedrooms
AppliancesDishwasher, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Laminate
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySecurity Gate, Smoke Detector(s), Other

Exterior

RoofShingle
ConstructionStucco

Additional Information

Date ListedApril 9, 2026
Days on Market83
HOA Fees$239 / Monthly
HOA FrequencyMonthly
HOA NameMerrill Pines Condominium Association
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: JWB REALTY LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 1, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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