106 Spruce Road

• • 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).

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.

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. Sources: Florida DOR certified tax roll, NEFMLS.

• Aug 5, 2026Price change$114,900−$5,000
• Mar 27, 2026Listed$119,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

• 

  For Sale

  1212 NE 1st Avenue

  Williston, FL 32696

  2 bd · 1 ba · 784 sq ft

  $114,900Est. $612/mo

  Completely renovated and move-in ready! This beautifully updated 1989 mobile home sits on a spacious corner lot in the…

  Listing Office: miller real estate, inc

• 

  For Sale

  805 Jonathan Road

  Jacksonville, FL 32234

  2 bd · 2 ba · 924 sq ft

  $115,000Est. $612/mo

  Come view this mobile home situated on a fenced, corner lot within a rural setting just southwest of the Cecil Airport.…

  Listing Office: core realty, llc

• 

  For Sale

  5625 Morse Avenue

  Jacksonville, FL 32244

  3 bd · 3 ba · 1,518 sq ft

  $112,000Est. $596/mo

  This is an excellent location, quiet and accesseable to all shoppings. double wide trailer, 3 bed, 3 bath. Needs some…

  Listing Office: future realty group, llc.

• 

  For Sale

  5545 Plymouth Street

  Jacksonville, FL 32205

  2 bd · 1 ba · 816 sq ft

  $119,000Est. $633/mo

  Attention investors! Don't miss this turnkey investment opportunity with a tenant already in place through July 2027,…

  Listing Office: keller williams realty atlantic partners