This home is in Jacksonville.
Active·47 days on market
5529 Nettie Road
Jacksonville, FL 32207
About this home
Jacksonville
This 2018 built home is NEWLY UPDATED & MOVE-IN READY! It has been beautifully maintained featuring 4 beds, 2 baths, 1,760 sq feet of living space, & an attached 2-car garage. As you enter the home, you'll find a versatile bedroom to the left, perfect for a home office or guest room. The layout flows seamlessly into the dining area, which leads into a well-appointed kitchen featuring Brand New SS appliances, granite countertops, breakfast bar, and recessed lighting. The owner's suite offers a private retreat w/ a double sink vanity & a spacious walk-in closet. The exterior features Hardie Board cementious siding for added durability and curb appeal. Don't miss the opportunity to own this move-in ready home w/ modern finishes & room to spread out! [ASK ABOUT AVAILABLE LOAN PROGRAM OFFERING UP TO $12,500 IN ASSISTANCE, HELPING MAKE HOMEOWNERSHIP MORE AFFORDABLE FOR QUALIFIED BUYERS - SEE FLYER FOR INFO!]
Cost to own
Mortgage calculator
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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $307,993 | $307,993 | ▲ $5,000 |
| 2024 | $304,083 | $285,357 | ▲ $9,301 |
| 2023 | $305,355 | $259,416 | — |
| 2022 | $295,141 | $235,833 | ▲ $30,679 |
| 2021 | $223,140 | $214,394 | ▲ $7,525 |
| 2020 | $194,904 | $194,904 | — |
Estimated taxes if purchased at asking price: ~$7,000/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: Shingle — year not disclosed (home built 2018)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Public water (record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,542 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 homeAs 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
Price & status history
- Jul 30, 2026Price change$356,000−$13,904
- Jul 21, 2026Price change$369,904−$96
- Jul 7, 2026Price change$370,000−$4,900
- Jun 22, 2026Listed$374,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: JWB REALTY LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
Similar homes in Jacksonville
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ 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
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines