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

Active·129 days on market

7990 Baymeadows Road E 823

Jacksonville, FL 32256

$247,000$205/sqftEst. $1,270/moMLS# 2141177

Beds

Baths

1,206

Sq Ft

2002

Built

—

Garage

Pool

About this home

Jacksonville

No expense was spared in creating total luxury and style in this 3 BR/2 full bath home, with newly replaced windows ($7K), HVAC ($7K), luxury vinyl plank (scratch resistant) flooring, bathroom renovations and complete kitchen renovation including custom cabinetry, quartz countertops, backsplash, hardware, RO water system, lighting and appliances. 9 foot ceilings and crown moldings add to the bright, relaxing living space. Enjoy the split bedroom design off the open-concept living space for aesthetic and functional flexibility. Within the primary suite haven, the seller has generously added a cabinet with quartz countertop in the master walk-in closet located next to the private primary bath. This unit was chosen by the seller because it offered the tranquillity from facing the lake and the privacy and convenience of being on the second floor along with being close to the high-end shopping at St Johns Town Center. The private screened-in balcony overlooking the lake with the sound

Cost to own

Mortgage calculator

Home Price

$247,000

Down Payment: 20%

$49,400

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,270

Principal & Interest: $1,270

Property taxes (est.): $403

Insurance (est.): $165

Estimated Total Monthly

$1,838

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$1,270

Property taxesest. at asking price, Duval County$403

HOAbilled monthly$225

Estimated total, before insurance$1,898/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,397/yr · $200/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: $235,000 in October 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$175,000	$124,278	▼ $24,500
2024	$199,500	$199,500	—
2023	$199,500	$199,500	—
2022	$158,500	$134,431	—
2021	$125,500	$122,210	—
2020	$119,000	$111,100	—

2025 property taxes (current owner): $2,397/yr

Estimated taxes if purchased at asking price: ~$4,800/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 E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: material not specified — year not disclosed (home built 2002)

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

Sewer & public water · JEA Water/Sewer in complex 2014 data

County records show this parcel on central sewer served by JEA Water/Sewer in complex 2014 data — no septic system to inspect or maintain.

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

Solar potential: ~1,786 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