This home is in Jacksonville.
Active Under Contract·101 days on market
10428 Crystal Springs Road
Jacksonville, FL 32221
About this home
Jacksonville
Location - Size- Brick - Just shy of 1 acre and the home is beautiful! A must see... now. Tastefully exterior paint on Full brick home, with 2,059 Heated SF. Large Family Room divides the Bedrooms from the Kitchen and Dining. All rooms are generously sized. Nice size Kitchen - all wood cabinets, Granite, Backsplash, New Stainless Appliances(,except Refrig). Farm sink overlooking the backyard. Nice mud & laundry room from the garage plus a door that leads outside (The safe stays). Master BR & bath are nice size with french doors. The home sits back off of Crystal Springs enough to enjoy a private front porch . You will love and live on the 36 ft enclosed lanai. Enjoy the peace of a natural look or put in a pool or a treehouse ! Roof 2017, AC (5 ton), less than 2yrs, Electrical updated, Water heater, 2024. All faucets and toilets replaced. Interior including ceilings have been painted. Septic. and City water. There is an irrigation well. I TOLD YOU.. HURRY
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $277,939 | $277,939 | ▲ $10,218 |
| 2024 | $268,102 | $128,449 | — |
| 2023 | $279,225 | $123,106 | ▲ $30,299 |
| 2022 | $238,639 | $122,419 | — |
| 2021 | $190,971 | $117,383 | — |
| 2020 | $185,055 | $115,066 | — |
2025 property taxes (current owner): $5,315/yr
Estimated taxes if purchased at asking price: ~$7,900/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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — 2017 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Likely septic
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: ~1,388 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 homeAs 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
Price & status history
- Apr 29, 2026Listed$405,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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