This home is in Jacksonville.
Active·90 days on market
10440 Sylvan Lane W
Jacksonville, FL 32257
About this home
Jacksonville
Situated at the front of a quiet cul-de-sac, this unique lot presents a rare opportunity - nature-infused privacy, combined with waterfront living. Get ready to enjoy sunsets over the St John's River from your living room and pool! 10440 Sylvan Lane West sits under a canopy of majestic live oaks, safely elevated above a navigable canal, leading directly into the St. Johns River. Unlike most homes on the St. Johns, this home does NOT require flood insurance! Enjoy waterfront living, without the premium. The result is thousands in savings annually. Enter through the striking new double front doors to discover the sprawling layout of this newly painted brick ranch. The home's interior features 4 bedrooms and 3.5 baths. In addition, there is a dedicated office, accessed through large sliding barn doors. A large spacious master suite, which is quietly tucked away and separated from the living spaces.
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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
- • 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
Last sold: $955,000 in June 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $774,720 | $723,998 | — |
| 2024 | $764,022 | $714,022 | ▼ $1,551 |
| 2023 | $764,126 | $693,033 | ▲ $195,529 |
| 2022 | $545,800 | $518,654 | — |
| 2021 | $471,504 | $471,504 | ▲ $25,441 |
| 2020 | $359,540 | $269,486 | — |
2025 property taxes (current owner): $13,422/yr
Estimated taxes if purchased at asking price: ~$23,500/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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 1972)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic
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).
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
- Apr 20, 2026Listed$1,199,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MOMENTUM REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
Broker Associate
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