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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville — a waterfront home in Jacksonville.

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Active Under Contract

Active Under Contract·170 days on market

962 Observatory Parkway

Jacksonville, FL 32218

$222,000$185/sqftEst. $1,230/moMLS# 2141410
↓ $3,000 below original list
2
Beds
2.5
Baths
1,202
Sq Ft
2022
Built
1
Garage
No
Pool
FEMA Zone XHOA $60/mo4,356 sqft lotWaterfrontTownhouse2 stories

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville

SAVE HUNDREDS PER MONTH by assuming the remaining VA loan at a 4.75% interest rate with NO GAP! VACANT & MOVE-IN READY! Skip the wait w/ this pristine 2022-built 2BR/2.5BA Aspen model by D.R. Horton. Ideal layout for a starter home, roommates, or remote work. INCLUDES washer, dryer, & mounted TVs! Prime location just 3.5 mi (~7 mins) to JAX Airport & 2 mi to River City Marketplace dining & shopping. Enjoy ultra-low overhead w/ smart home tech, energy efficiency, & a low HOA fee of just $60/mo! Perfect setup for primary buyers, military relocations, or a turnkey investment. Unbeatable financing options w/ preferred lender incentives available! Schedule your showing today!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,230
Property taxesest. at asking price, Duval County$362
HOAbilled monthly$60
Estimated total, before insurance$1,652/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,324/yr · $277/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$222,000
$44,400
Loan Term
Monthly Payment
$1,230
Principal & Interest: $1,230
Property taxes (est.): $363
Insurance (est.): $148
Estimated Total Monthly
$1,740
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 C

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

Roof: Shingle — year not disclosed (home built 2022)

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

Solar potential: ~1,754 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.

Cost to own

Taxes & assessment

Last sold: $236,000 in October 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$208,974$158,252—
2024$203,177$153,177▲ $10,000
2023$200,476$150,476—
2022$60,000$60,000—

2025 property taxes (current owner): $3,324/yr

Estimated taxes if purchased at asking price: ~$4,300/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.

History

Price & status history

  • Sep 12, 2026Active Under Contract$222,000
  • Aug 18, 2026Price change$222,000−$2,000
  • Aug 7, 2026Price change$224,000−$1,000
  • Apr 22, 2026Listed$225,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$222,000
Price / Sq Ft$185
Bedrooms2
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,202
Total Structure Area1,506 sq ft
Acres0.10 acres
Year Built2022
TypeResidential
Sub-TypeTownhouse
StyleOther
StatusActive Under Contract
# of Garages1
Has PoolNo
Is WaterfrontYes

School Information

ElementaryLouis Sheffield
MiddleOceanway
HighFirst Coast

Community Information

Address962 Observatory Parkway, Jacksonville, FL 32218
Area092-Oceanway/Pecan Park
SubdivisionCapitol Park East
CityJacksonville
CountyDuval
StateFL
Zip Code32218
Lot Size4,356 sq ft
Parcel Number1075570475
ZoningPUD

Amenities

AmenitiesJogging Path, Maintenance Grounds, Management - Off Site, Playground
Community FeaturesSidewalks, Curbs
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
Green / EnergyDoors, Windows
ParkingAdditional Parking, Attached, Garage, Garage Door Opener
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Vinyl
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionDead End Street, Sprinklers In Front, Sprinklers In Rear
Patio / PorchPatio
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedApril 22, 2026
Days on Market143
HOA Fees$60 / Monthly
HOA FrequencyMonthly
HOA NameCapitol Park East HOA
HOA Fee IncludesInsurance, Maintenance Grounds
Tax Amount$3,324.12
Tax Year2025
Listing TermsAssumable, Cash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS FIRST COAST REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

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