This home is in Valencia Condos, Jacksonville.

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Active Under Contract

Active Under Contract·6 days on market·Valencia Condos

4744 Ridgewood Avenue

Jacksonville, FL 32207

$255,000$161/sqftEst. $1,357/moMLS# 2142636

Beds

Baths

1,582

Sq Ft

2023

Built

Garage

Pool

About this home

Valencia Condos

**Seller offering up to $10k towards closing costs!!** Tucked beneath mature trees in the heart of Jacksonville, you'll find your opportunity to own like-new in this 2023 build, combining modern construction with an inviting setting. From the moment you arrive, you'll appreciate the curb appeal and peaceful surroundings. Inside, the home features comfortable living spaces filled with natural light, creating an easy flow for everyday living and entertaining. Step outside to a low-maintenance yard perfect for relaxing evenings, weekend gatherings, or simply enjoying Florida living. Conveniently located near San Marco, EverBank Stadium, and local favorites, this home puts you close to everything while still offering a quiet neighborhood feel.

Cost to own

Mortgage calculator

Home Price

$255,000

Down Payment: 20%

$51,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,296

Principal & Interest: $1,296

Est. Taxes & Insurance: $324

Estimated Total Monthly

$1,620

*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 · 7.0% · 30yr$1,357

Property taxesest. at asking price, Duval County$416

Estimated total, before insurance$1,774/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

Last sold: $257,300 in July 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$193,823	$138,101	—
2024	$194,194	$194,194	—
2023	$17,500	$10,587	—
2022	$12,500	$9,625	—
2021	$8,750	$8,750	—
2020	$8,750	$8,318	—

2025 property taxes (current owner): $2,997/yr

Estimated taxes if purchased at asking price: ~$5,000/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2023)

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

Solar potential: ~1,161 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History