This home is in Jacksonville.

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Active

Active·85 days on market

1346 Panther Lake Parkway

Jacksonville, FL 32221

$349,900$179/sqftEst. $1,784/moMLS# 2137682

Beds

Baths

1,950

Sq Ft

2023

Built

Garage

Pool

About this home

Jacksonville

Need help with cash to close? This move-in ready Jacksonville home now offers up to $5,000 toward buyer closing costs, prepaid items, or a rate buydown with an acceptable offer. Located in Panther Creek, this 3 bedroom, 2 bath, 1,950 sq ft single-story home is now offered at $349,900 and deserves a second look. The open layout gives you a spacious great room, large kitchen island, granite countertops, stainless steel appliances, and plenty of room to gather. The home also includes thoughtful extras buyers often have to purchase after closing washer and dryer, blinds, ceiling fans, and tinted windows for added comfort. Enjoy a pond-view lot, newer construction feel, and community amenities including pool, clubhouse, gym, and pickleball, all with no CDD fees. Convenient to I-295, I-10, First Coast Expressway, Oakleaf Town Center, and NAS Jacksonville. If you are comparing new construction, ask what is already included. This home is move-in ready, priced under $350K, and now offers a

Cost to own

Mortgage calculator

Home Price

$349,900

Down Payment: 20%

$69,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,784

Principal & Interest: $1,784

Property taxes (est.): $571

Insurance (est.): $233

Estimated Total Monthly

$2,589

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,784

Property taxesest. at asking price, Duval County$571

HOAbilled annually$36

Estimated total, before insurance$2,392/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,405/yr · $117/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: $351,900 in February 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$295,387	$48,328	—
2024	$285,642	$235,642	▲ $10,260
2023	$67,500	$67,500	—

2025 property taxes (current owner): $1,405/yr

Estimated taxes if purchased at asking price: ~$6,900/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.

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 2023)

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

Solar potential: ~1,537 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