This home is in Jacksonville.

1 / 25

Active

Active·33 days on market

16181 Dowing Creek Drive

Jacksonville, FL 32218

$299,900$172/sqftEst. $1,529/moMLS# 2141783

Beds

Baths

1,740

Sq Ft

2017

Built

Garage

Pool

About this home

Jacksonville

This move-in-ready three-bedroom, two-bathroom home is located in the desirable Yellow Bluff Hideaway neighborhood. The interior features a seamless open-concept floor plan, creating an inviting flow throughout the main living areas. The updated kitchen is fully equipped with modern stainless-steel appliances and elegant granite countertops, making it a stylish and functional space for cooking and entertaining. Outside, the home offers a private, fully fenced-in backyard, perfect for outdoor relaxation. Ideally located near River City Marketplace, Mayport Naval Station, the beach, JAX Airport, and major commuter routes, this home offers easy access to everything you need. Ideally located near River City Marketplace, Mayport Naval Station, the beach, and major commuter routes. With top-notch community amenities and a low HOA/CDD, this is one you don't want to miss! Schedule your private showing today!

Cost to own

Mortgage calculator

Home Price

$299,900

Down Payment: 20%

$59,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,529

Principal & Interest: $1,529

Property taxes (est.): $490

Insurance (est.): $200

Estimated Total Monthly

$2,219

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,529

Property taxesest. at asking price, Duval County$490

HOAbilled annually$6

Estimated total, before insurance$2,025/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,307/yr · $609/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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	$273,573	$273,573	—
2024	$264,612	$254,833	▲ $9,509
2023	$284,944	$231,667	—
2022	$245,972	$210,607	▲ $19,554
2021	$191,461	$191,461	—
2020	$180,987	$180,987	—

2025 property taxes (current owner): $7,307/yr

Estimated taxes if purchased at asking price: ~$5,900/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: Tar/Gravel — year not disclosed (home built 2017)

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: ~1,738 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