This home is in Jacksonville.

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Active

Active·89 days on market

10418 Loyola Drive N Drive N

Jacksonville, FL 32218

$160,000$120/sqftEst. $816/moMLS# 2142434

Beds

Baths

1,328

Sq Ft

1953

Built

—

Garage

Pool

About this home

Jacksonville

Welcome to this 3-bedroom, 2-bath home located in a quiet neighborhood in North Jacksonville. This property offers a great opportunity for both investors and buyers looking to customize and renovate to their own taste. The home features a functional layout with good potential and natural light throughout. It does require interior renovation, making it ideal for those looking to add value and create their perfect living space. A brand-new septic system was recently installed, providing added value and peace of mind. Whether you're looking for an investment property or a future primary residence, this home offers great potential and is ready for your vision

Cost to own

Mortgage calculator

Home Price

$160,000

Down Payment: 20%

$32,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$816

Principal & Interest: $816

Property taxes (est.): $261

Insurance (est.): $107

Estimated Total Monthly

$1,184

*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$816

Property taxesest. at asking price, Duval County$261

Estimated total, before insurance$1,077/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$142,031	$120,179	—
2024	$127,260	$109,254	▲ $10,000
2023	$121,274	$99,322	—
2022	$102,404	$90,293	—
2021	$82,085	$82,085	▲ $5,073
2020	$74,775	$74,775	▲ $2,000

Estimated taxes if purchased at asking price: ~$3,100/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 1953)

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

Likely septic · Public water · JEA

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,480 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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