This home is in Jacksonville.

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Active·10 days on market

7614 Club Duclay Drive

Jacksonville, FL 32244

$100,000$93/sqftEst. $508/moMLS# 2141981

Beds

Baths

1,080

Sq Ft

1977

Built

—

Garage

Pool

About this home

Jacksonville

This adorable home is move in ready and is Real Property. All appliances stay, stainless fridge, gas stove, Buyer can get Homestead Exemption Eligibility: Because this is real property, you can apply for Florida's Homestead Exemption. This can lower your property tax assessment value and caps annual property tax increases. Financing and Resale: This is permanent real estate. This grants you access to conventional mortgages, equity lines of credit, and improved resale value.

Cost to own

Mortgage calculator

Home Price

$100,000

Down Payment: 20%

$20,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$508

Principal & Interest: $508

Est. Taxes & Insurance: $127

Estimated Total Monthly

$635

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 6.55% · 30yr$508

Property taxesest. at asking price, Duval County$163

Estimated total, before insurance$672/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, 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

Year	Market value	Taxable value	Change
2025	$140,563	$115,167	—
2024	$136,663	$104,698	▲ $3,824
2023	$134,013	$95,180	▲ $12,000
2022	$116,029	$86,528	▲ $3,853
2021	$96,328	$78,662	—
2020	$94,116	$71,511	—

2025 property taxes (current owner): $2,547/yr

Estimated taxes if purchased at asking price: ~$2,000/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: material not specified — year not disclosed (home built 1977)

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: ~1,680 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