Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville.

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Active

Active·96 days on market

1687 Pottsburg Point Drive

Jacksonville, FL 32207

$290,000$171/sqftEst. $1,496/moMLS# 2143357

Beds

Baths

1,700

Sq Ft

2020

Built

Garage

Pool

About this home

Jacksonville

OPEN HOUSE! May 23rd 11am - 2pm Immaculate townhome close to shops and restaurants in San Marco! MOVE IN READY with neutral colors! Home comes with with water softener, ring camera, refrigerator, washer and dryer. No CDD fee and low HOA! If the buyer chooses First Coast Mortgage Funding, LLC NMLS #1953441, eligible borrowers may qualify for a no-cost 1 year temporary buy-down on eligible purchase loans if under contract and locked by 06/30/2025, subject to loan approval and program guidelines. Marta Lillard NMLS #879436.

Cost to own

Mortgage calculator

Home Price

$290,000

Down Payment: 20%

$58,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,496

Principal & Interest: $1,496

Property taxes (est.): $474

Insurance (est.): $193

Estimated Total Monthly

$2,162

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,496

Property taxesest. at asking price, Duval County$474

HOAbilled monthly$270

Estimated total, before insurance$2,239/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	$231,028	$0	—
2024	$251,068	$196,068	▲ $11,618
2023	$267,219	$212,219	▲ $16,540
2022	$240,750	$209,820	—
2021	$190,746	$190,746	—
2020	$38,000	$38,000	▲ $2,000

Estimated taxes if purchased at asking price: ~$5,700/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.

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 2020)

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

Likely sewer · Private well (public record)

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: ~1,733 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 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