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This home is in Jacksonville — a home near Atlantic Coast High School.

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Active

Active·17 days on market

10396 Bigtree Circle

Jacksonville, FL 32257

$239,900$150/sqftEst. $1,223/moMLS# 2143277

Beds

Baths

1,596

Sq Ft

1983

Built

—

Garage

Pool

About this home

Jacksonville

Nestled among mature trees, this beautifully updated 3-bedroom, 2.5-bath townhome offers comfort, style, and convenience. Featuring granite countertops, tile backsplash, and durable LVP flooring, the home flows effortlessly with an open-concept first floor, complete with a half bath and laundry area. Step into your private patio-style courtyard--perfect for relaxing or entertaining. Upstairs, enjoy spacious secondary bedrooms and a serene primary suite with a private bath and ample closet space. Community amenities include a pool, covered pavilion, and RV/boat parking. Ideally located near the YMCA, I-295, and Mandarin's premier dining and shopping. Don't miss your chance--schedule your showing today!

Cost to own

Mortgage calculator

Home Price

$239,900

Down Payment: 20%

$47,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,223

Principal & Interest: $1,223

Property taxes (est.): $392

Insurance (est.): $160

Estimated Total Monthly

$1,775

*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$1,223

Property taxesest. at asking price, Duval County$392

HOAbilled monthly$352

Estimated total, before insurance$1,967/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,472/yr · $206/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$217,181	$110,222	—
2024	$218,139	$106,409	—
2023	$222,901	$101,854	—
2022	$188,905	$97,432	—
2021	$149,716	$93,138	▲ $4,000
2020	$141,162	$91,162	▲ $7,879

2025 property taxes (current owner): $2,472/yr

Estimated taxes if purchased at asking price: ~$4,700/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 1983)

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

Likely sewer

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,122 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