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Active

Active·66 days on market

8048 Kilkelly Lane S

Jacksonville, FL 32244

$379,900$195/sqftEst. $1,951/moMLS# 2143581

Beds

Baths

1,950

Sq Ft

1998

Built

Garage

Pool

About this home

Jacksonville

Tucked away on a quiet cul-de-sac in Ortega Bluff, this 4-bedroom, 2-bath home offers space, privacy, and thoughtful updates on a generous 0.30-acre lot. Featuring a new roof, new fence, and termite bond protection, this home provides peace of mind from day one. Inside, you'll find 1,950 sq ft of comfortable living with updated flooring in primary bathroom and freshly painted bathroom. The layout offers both functionality and flow, perfect for everyday living. Step outside to a spacious backyard with room to create your own outdoor retreat. Conveniently located just minutes from NAS Jacksonville, shopping, dining, and daily essentials, this home blends neighborhood living with easy access to everything you need.

Cost to own

Mortgage calculator

Home Price

$379,900

Down Payment: 20%

$75,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,951

Principal & Interest: $1,951

Property taxes (est.): $620

Insurance (est.): $253

Estimated Total Monthly

$2,825

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,951

Property taxesest. at asking price, Duval County$620

HOAbilled annually$22

Estimated total, before insurance$2,593/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,246/yr · $354/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

Last sold: $348,000 in September 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$260,216	$209,494	—
2024	$261,155	$211,155	▲ $8,675
2023	$262,280	$262,280	—
2022	$225,542	$110,988	—
2021	$184,142	$106,154	—
2020	$171,099	$103,929	▲ $15,590

2025 property taxes (current owner): $4,246/yr

Estimated taxes if purchased at asking price: ~$7,400/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: Shingle — year not disclosed (home built 1998)

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: ~1,659 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

Price & status history

Jul 29, 2026Price change$379,900−$19,100
Jun 16, 2026Listed$399,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$379,900

Price / Sq Ft$195

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,950

Acres0.30 acres

Year Built1998

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address8048 Kilkelly Lane S, Jacksonville, FL 32244

Area056-Yukon/Wesconnett/oak Hill

SubdivisionOrtega Bluff

CityJacksonville

CountyDuval

StateFL

Zip Code32244

Lot Size13,068 sq ft

Parcel Number0991350200

Amenities

UtilitiesCable Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Kitchen Island, Primary Bathroom - Tub with Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Vinyl

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)