This home is in Jacksonville.

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Active

Active·110 days on market

1133 Girvin Road

Jacksonville, FL 32225

$2,350,000$2448/sqftEst. $12,508/moMLS# 2137156

Beds

Baths

960

Sq Ft

1938

Built

—

Garage

Pool

About this home

Jacksonville

Charming Bungalow on 4.99 Acres on the Water Welcome to your dream property! This delightful 2-bedroom, 1-bath bungalow is perfectly situated on a sprawling 4.99 acres of scenic land along the water. Located on in the highly sought-after Intercoastal West area, this property offers a fantastic blend of tranquility and potential. Imagine the possibilities! This unique property is ideal for a family compound or could possible subdivided to create a community or resort-style residential area. Enjoy the freedom to bring your horses, keep livestock, and cultivate your own garden in this beautiful setting. With its picturesque surroundings and exceptional location, this property is a must-see. Embrace the opportunity to create your own oasis, as a private retreat.

Cost to own

Mortgage calculator

Home Price

$2,350,000

Down Payment: 20%

$470,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$11,871

Principal & Interest: $11,871

Est. Taxes & Insurance: $2,968

Estimated Total Monthly

$14,838

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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 · 7.0% · 30yr$12,508

Property taxesest. at asking price, Duval County$3,837

Estimated total, before insurance$16,345/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	$430,325	$303,608	—
2024	$430,595	$276,008	▲ $100,521
2023	$332,721	$250,917	▲ $52,856
2022	$277,279	$228,107	—
2021	$264,353	$207,370	—
2020	$263,018	$188,519	—

2025 property taxes (current owner): $6,544/yr

Estimated taxes if purchased at asking price: ~$46,000/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 1938)

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

Likely septic · Public water · JEA

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: ~1,768 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History