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 — a home near Atlantic Coast High School.

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Active Under Contract

Active Under Contract·109 days on market

14160 Mahogany Avenue

Jacksonville, FL 32258

$320,000$158/sqftEst. $1,632/moMLS# 2139674

Beds

Baths

2,031

Sq Ft

2012

Built

—

Garage

Pool

About this home

Jacksonville

What if someone else took care of your lawn, maintained your pool, kept your community gym in top shape, and ensured your clubhouse was always ready for your next gathering -- every single month? Welcome to effortless Florida living at its finest! Nestled behind the secure gates of one of Jacksonville's most sought-after communities, this stunning 3-bedroom, 2.5-bathroom townhouse offers an impressive 2,031 square feet of beautifully appointed living space. From the moment you step inside, you'll feel the difference -- spacious rooms, thoughtful design, and the peace of mind that comes with gated community living. Whether you're a professional seeking a private retreat, a growing family looking for space and security, or a savvy buyer who simply refuses to compromise -- 14160 Mahogany Avenue was made for you. Properties like this in gated Jacksonville communities don't last -- make your move today

Cost to own

Mortgage calculator

Home Price

$320,000

Down Payment: 20%

$64,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,632

Principal & Interest: $1,632

Property taxes (est.): $523

Insurance (est.): $213

Estimated Total Monthly

$2,367

*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$1,632

Property taxesest. at asking price, Duval County$523

HOAbilled monthly$339

Estimated total, before insurance$2,493/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,636/yr · $470/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	$298,259	$298,259	—
2024	$300,140	$276,958	▲ $10,000
2023	$302,448	$251,780	—
2022	$257,430	$228,891	—
2021	$208,083	$208,083	—
2020	$206,872	$206,872	—

2025 property taxes (current owner): $5,636/yr

Estimated taxes if purchased at asking price: ~$6,300/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 2012)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,667 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