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 Cypress Trails, Jacksonville.

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Active·149 days on market·Cypress Trails

341 Aspen Leaf Drive

Jacksonville, FL 32081

$565,000$206/sqftEst. $2,905/moMLS# 2138216

Beds

Baths

2,745

Sq Ft

2016

Built

Garage

Pool

About this home

Cypress Trails

BUYER COULD NOT FULFILL CONTINGENCY- Call agent for more details. Tucked inside one of Northeast Florida's most sought-after master-planned communities, this home isn't just a place to live--it's a place to feel something the moment you arrive. Picture mornings filled overlooking the preserve with your coffee in hand as you plan your day, and evenings that effortlessly flow from indoor comfort to outdoor relaxation.The heart of the home invites connection, with a layout designed for both everyday living and effortless entertaining. A spacious kitchen that overlooks the family room with an offset dining area and large walk in pantry. An additional large room off the entry in front of the home that can be used for a second formal dining area, a home office, or kids play area! Upstairs you will find a bonus room for a secondary entertaining space and all bedrooms. Large primary retreat with dual sink vanities

Cost to own

Mortgage calculator

Home Price

$565,000

Down Payment: 20%

$113,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,905

Principal & Interest: $2,905

Property taxes (est.): $923

Insurance (est.): $377

Estimated Total Monthly

$4,204

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,905

Property taxesest. at asking price, Duval County$923

HOAbilled annually$32

Estimated total, before insurance$3,859/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,527/yr · $711/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

Year	Market value	Taxable value	Change
2025	$573,501	$336,671	▲ $15,000
2024	$561,057	$326,476	▼ $152
2023	$593,961	$315,511	—
2022	$498,149	$304,866	—
2021	$371,785	$294,531	—
2020	$347,398	$289,775	—

2025 property taxes (current owner): $8,527/yr

Estimated taxes if purchased at asking price: ~$11,100/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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: material not specified — year not disclosed (home built 2016)

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

Solar potential: ~1,781 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