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.

1 / 35

Active

Active·116 days on market

1955 Layton Road

Jacksonville, FL 32211

$274,000$176/sqftEst. $1,410/moMLS# 2137663

Beds

Baths

1,560

Sq Ft

1953

Built

—

Garage

Pool

About this home

Jacksonville

**update - NEW ROOF! 5/20/26*****A beautifully maintained home in the heart of Jacksonville! This charming property offers the perfect blend of comfort, functionality, and convenience. with well appointed living areas, this home is ideal for both everyday living and entertaining. The interior boasts inviting living spaces that flow seamlessly from room to room. Luxury vinyl plank throughout. The kitchen offers stainless steel appliances, granite counters, custom cabinets, while the bedrooms provide comfort and privacy for all. Step outside to enjoy a generously sized yard, perfect for relaxing, hosting gatherings, or creating your own outdoor oasis. Conveniently located near shopping, dining, major highways, and just a short drive to downtown Jacksonville, this home offers both tranquility and accessibility

Cost to own

Mortgage calculator

Home Price

$274,000

Down Payment: 20%

$54,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,410

Principal & Interest: $1,410

Property taxes (est.): $447

Insurance (est.): $183

Estimated Total Monthly

$2,040

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,410

Property taxesest. at asking price, Duval County$447

Estimated total, before insurance$1,857/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,308/yr · $276/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: $245,000 in December 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$226,106	$155,616	—
2024	$200,523	$150,523	—
2023	$152,214	$152,214	▲ $7,967
2022	$139,111	$103,565	▲ $15,494
2021	$105,442	$94,150	—
2020	$92,596	$85,591	—

2025 property taxes (current owner): $3,308/yr

Estimated taxes if purchased at asking price: ~$5,400/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 1953)

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

Septic system (public record) · Public water (record)

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: ~1,487 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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