This home is in Jacksonville.
Active Under Contract·96 days on market
8918 Duluth Court
Jacksonville, FL 32216
About this home
Jacksonville
Stunningly updated 3BR/3BA home on an oversized 0.27-acre lot in the highly desirable Southside Hidden Lakes community. It sits in a friendly and quiet cul-de-sac with no HOA or CDD fees and exceptionally low taxes. This property offers a rare dual-suite layout, including a private entrance suite ideal for income producing, multi-generational living or guests with its own bath. This home features modern renovations throughout from thresholds to ceiling registers, including new kitchen with modern cabinetry and granite countertops. All bathrooms have been tastefully updated, and the home features fresh exterior and interior paint, new doors and trim and ceiling popcorn removal. It offers a 15 x 20 screened back porch as well as a front porch for plenty of porch therapy looking onto a newly sodded landscape complete with new sprinkler system. The oversized and privacy vinyl fenced backyard provides room to entertain, garden or expansion.
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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $253,402 | $6,284 | — |
| 2024 | $204,709 | $3,850 | ▲ $5,574 |
| 2023 | $199,971 | $680 | ▲ $6,010 |
| 2022 | $187,101 | $2,102 | ▲ $16,714 |
| 2021 | $146,725 | $0 | ▲ $9,624 |
| 2020 | $133,875 | $22,739 | — |
Estimated taxes if purchased at asking price: ~$7,100/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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: material not specified — year not disclosed (home built 1981)
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: ~1,702 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 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
- May 2, 2026Listed$363,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: SAVVY AVENUE, LLC.
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines