This home is in Jacksonville.
Sold·Closed Jul 22, 2026·61 days on market·Recent sales in Jacksonville
1039 Toney Terrace Court
Jacksonville, FL 32221
About this home
Jacksonville
Welcome to this beautifully maintained 2-bedroom, 2-bath home, tucked away on a peaceful cul-de-sac. Thoughtfully updated and move-in ready, this inviting property features a modern kitchen with granite countertops, stylish finishes, and plenty of space for everyday living and entertaining. New vinyl plank flooring flows throughout the home, adding both durability and contemporary appeal. A washer and dryer are also included for added convenience. The versatile floor plan is ideal for roommates, first-time homebuyers, or anyone looking to downsize without compromising comfort. Step outside to enjoy the spacious fenced backyard and covered rear patio--perfect for relaxing, entertaining guests, or enjoying quiet evenings outdoors. Mature landscaping enhances the home's curb appeal and creates a serene setting. Additional updates, including the HVAC system, provide peace of mind for years to come. Don't miss opportunity to own this charming, updated home in a quiet and desirable location
Next steps in Jacksonville
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 1972)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,552 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 homeThis 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $182,270 | $80,250 | — |
| 2024 | $169,819 | $77,281 | ▲ $2,000 |
| 2023 | $174,117 | $73,574 | ▲ $19,586 |
| 2022 | $148,872 | $69,975 | — |
| 2021 | $116,481 | $66,481 | — |
| 2020 | $95,316 | $25,000 | — |
2025 property taxes (current owner): $1,971/yr
Estimated taxes if purchased at asking price: ~$4,200/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.
History
Price & status history
- Jul 23, 2026Closed$221,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $156/sq ft; this home is listed at $167/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 8204 Frost Street S, Jacksonville, FL 32221Listed by JASON MITCHELL REAL ESTATE FLORIDA, LLC. | Aug 2026 | $212,073 | $148 | 3/2 | 1,432 | 150 | 0.1 |
| 758 Estates Cove Road, Jacksonville, FL 32221Listed by MCCABE REALTY INC | Sep 2026 | $262,000 | $190 | 3/2 | 1,376 | 80 | 0.4 |
| 790 Hickory Hill Drive, Jacksonville, FL 32221Listed by MARK SPAIN REAL ESTATE | Aug 2026 | $257,301 | $152 | 3/2 | 1,691 | 27 | 0.4 |
| 717 Estates Cove Road, Jacksonville, FL 32221Listed by HERRON REAL ESTATE LLC | Sep 2026 | $305,000 | $191 | 4/2 | 1,595 | 68 | 0.5 |
| 8647 Lenox Avenue, Jacksonville, FL 32221Listed by MAINSTAY BROKERAGE LLC | Sep 2026 | $216,999 | $156 | 3/2 | 1,392 | 114 | 0.7 |
| 8054 Paschal Street, Jacksonville, FL 32220Listed by REAL BROKER LLC | Sep 2026 | $127,500 | $107 | 4/1 | 1,192 | 10 | 0.7 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
Broker Associate
This home sold on Jul 22, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
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