This home is in Jacksonville.

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Active

Active·107 days on market

791 Assisi Lane 2204

Jacksonville, FL 32233

$159,900$200/sqftEst. $815/moMLS# 2138862

Beds

Baths

800

Sq Ft

1987

Built

—

Garage

Pool

About this home

Jacksonville

An exceptional opportunity to own a beach-area getaway, primary residence, or income-producing investment property in a highly desirable location. This bright and clean 1st-floor 2-bedroom, 1-bath corner unit offers effortless living with thoughtful upgrades and a fresh, inviting feel throughout. Recently painted inside and out, this move-in-ready home features ceramic tile flooring throughout, a cozy wood-burning fireplace, and an open, airy layout filled with natural light. The kitchen is equipped with refrigerator, range/oven, microwave, dishwasher, and garbage disposal, plus an in-unit washer and dryer for added convenience. 2022 HVAC and 2022 water heater. Additional highlights include spacious bedrooms, abundant closet space, and a large exterior storage closet ideal for beach gear/bikes/seasonal items. Enjoy a community pool, fenced dog park, and on-site boat/RV parking, minutes from Atlantic Beach, Mayport Naval Station, Publix, local shopping/dining.

Cost to own

Mortgage calculator

Home Price

$159,900

Down Payment: 20%

$31,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$815

Principal & Interest: $815

Property taxes (est.): $261

Insurance (est.): $107

Estimated Total Monthly

$1,183

*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$815

Property taxesest. at asking price, Duval County$261

HOAbilled monthly$322

Estimated total, before insurance$1,398/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,158/yr · $180/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	$120,000	$120,000	—
2024	$119,000	$98,160	—
2023	$130,000	$89,237	—
2022	$89,400	$81,125	—
2021	$73,750	$73,750	▲ $8,850
2020	$57,750	$57,750	—

2025 property taxes (current owner): $2,158/yr

Estimated taxes if purchased at asking price: ~$3,100/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 B

Zone B evacuates after zone A in an approaching storm.

Roof: material not specified — year not disclosed (home built 1987)

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

Likely sewer

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,803 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