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This home is in Jacksonville.

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Active

Active·107 days on market

5628 Fort Sumter Road

Jacksonville, FL 32210

$330,000$174/sqftEst. $1,702/moMLS# 2141516

Beds

Baths

1,902

Sq Ft

1972

Built

Garage

Pool

About this home

Jacksonville

**Price Improvement ** Spacious all-brick 4 bedroom, 2 bathroom home with a 2-car garage located in the established Confederate Point neighborhood. This home offers an OPEN FLOOR PLAN with a large living area, formal dining space, and a cozy brick fireplace that adds character and warmth. Interior features include updated flooring, neutral paint, and plenty of natural light throughout, creating a bright and inviting atmosphere. The kitchen provides ample cabinet space and flows easily into the main living areas, with an interior laundry room for added convenience. The primary suite includes a walk-in closet and private bathroom, while the additional bedrooms offer flexibility for guests, office space, or growing households. Step outside to enjoy a HUGE FENCED BACKYARD with a covered patio, perfect for relaxing or entertaining. Conveniently located just minutes from NAS Jacksonville, major highways, shopping, and dining, making it an ideal option for military and local buyers alike.

Cost to own

Mortgage calculator

Home Price

$330,000

Down Payment: 20%

$66,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,702

Principal & Interest: $1,702

Property taxes (est.): $539

Insurance (est.): $220

Estimated Total Monthly

$2,461

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,702

Property taxesest. at asking price, Duval County$539

Estimated total, before insurance$2,241/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,370/yr · $447/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: $325,000 in February 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$281,033	$281,033	—
2024	$267,378	$267,378	—
2023	$282,700	$282,700	▲ $64,356
2022	$210,232	$160,232	—
2021	$163,416	$163,416	—
2020	$158,562	$158,562	▲ $3,603

2025 property taxes (current owner): $5,370/yr

Estimated taxes if purchased at asking price: ~$6,500/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 D

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

Roof: Shingle — year not disclosed (home built 1972)

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: ~1,712 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