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.

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Pending

Pending·121 days on market

6204 Diane Road

Jacksonville, FL 32277

$308,900$179/sqftEst. $1,590/moMLS# 2140097

Beds

Baths

1,730

Sq Ft

1962

Built

—

Garage

Pool

About this home

Jacksonville

Move In Ready!! Beautiful light and bright 3-bedroom 2-bathroom home on a corner lot. This home is located between the city & the sea, convenient to the beaches, shopping, Jacksonville University, downtown, EverBank Stadium (Go Jaguars) and Mayport Naval Air Station. Home includes many upgrades; LVP flooring in living-dining room and family room 2023, new carpet in hall and all bedrooms 2026, home re-piped in 2023, 150-amp electric panel 2019, HVAC 2019, roof 2016, updated bathrooms, wall oven, dishwasher and refrigerator 2023, well pump 2019. large 180 sq ft attached laundry room, updated thermal windows, spacious shed w/electric in rear yard. Don't miss out on this amazing opportunity to make this beautiful house your next home! SQ FT includes heated and cooled laundry room.

Cost to own

Mortgage calculator

Home Price

$308,900

Down Payment: 20%

$61,780

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,590

Principal & Interest: $1,590

Property taxes (est.): $504

Insurance (est.): $206

Estimated Total Monthly

$2,300

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,590

Property taxesest. at asking price, Duval County$504

Estimated total, before insurance$2,094/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,823/yr · $152/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	$209,433	$71,905	—
2024	$207,438	$69,172	—
2023	$206,402	$65,701	—
2022	$184,569	$62,332	—
2021	$140,593	$59,061	—
2020	$130,368	$57,556	—

2025 property taxes (current owner): $1,823/yr

Estimated taxes if purchased at asking price: ~$6,100/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — 2016 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,546 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