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.

1 / 33

Active

Active·106 days on market

14042 Devan Lee Drive N

Jacksonville, FL 32226

$450,000$171/sqftEst. $2,294/moMLS# 2140000

Beds

Baths

2,624

Sq Ft

2005

Built

Garage

Pool

About this home

Jacksonville

Step inside and fall in love with this stunning two-story, 4-bedroom, 3.5-bath home with a 2-car garage, nestled in the desirable Victoria Lakes community of Oceanway. This move-in-ready residence welcomes you with a breathtaking chandelier entrance and an open, flowing floor plan enhanced by elegant upgrades throughout. Enjoy crown molding, granite countertops, designer chandelier lighting in the downstairs baths, luxury vinyl flooring and tile in the main living areas, and sleek black appliances. The expansive primary suite is conveniently located on the main level, offering comfort and privacy. Community amenities include a splash pad, pavilion, and pool--perfect for relaxing or entertaining.

Cost to own

Mortgage calculator

Home Price

$450,000

Down Payment: 20%

$90,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,294

Principal & Interest: $2,294

Property taxes (est.): $735

Insurance (est.): $300

Estimated Total Monthly

$3,329

*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$2,294

Property taxesest. at asking price, Duval County$735

HOAbilled annually$50

Estimated total, before insurance$3,080/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,779/yr · $482/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

Last sold: $410,000 in June 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$346,615	$295,893	▲ $5,000
2024	$332,491	$187,427	—
2023	$333,631	$180,512	—
2022	$289,215	$173,799	▼ $17,419
2021	$231,210	$167,281	—
2020	$219,617	$164,282	▲ $10,241

2025 property taxes (current owner): $5,779/yr

Estimated taxes if purchased at asking price: ~$8,800/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 2005)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

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

Solar potential: ~1,472 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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