This home is in Jacksonville.

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Pending

Pending·46 days on market

11055 Bacall Road W

Jacksonville, FL 32218

$219,900$137/sqftEst. $1,121/moMLS# 2144076

Beds

Baths

1,608

Sq Ft

1979

Built

—

Garage

Pool

About this home

Jacksonville

This charming 3/2 home has been beautifully updated and is ready for its new owners to move right in. The entire house has been updated with a crisp, neutral paint palette inside and out, complemented by brand-new flooring that flows throughout the living spaces and bedrooms. The heart of the home is the newly remodeled kitchen, which features clean white cabinetry, durable granite countertops, and brand-new stainless steel appliances. Both bathrooms have been updated with modern fixtures and finishes, ensuring a fresh and clean feel. Beyond the cosmetic updates, this home offers significant value with a brand-new HVAC system, providing efficient climate control for years to come. Situated in a convenient location just minutes from local shopping and dining, this home offers the ideal balance of affordability and modern comfort. Every detail has been addressed, making this a rare opportunity to own a fully updated, worry-free home in a great neighborhood. Don't miss this one!

Cost to own

Mortgage calculator

Home Price

$219,900

Down Payment: 20%

$43,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,121

Principal & Interest: $1,121

Property taxes (est.): $359

Insurance (est.): $147

Estimated Total Monthly

$1,627

*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$1,121

Property taxesest. at asking price, Duval County$359

Estimated total, before insurance$1,480/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,243/yr · $270/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	$192,186	$143,858	—
2024	$160,707	$130,780	—
2023	$149,681	$118,891	—
2022	$138,525	$108,083	—
2021	$112,575	$98,258	▲ $12,000
2020	$97,253	$89,326	—

2025 property taxes (current owner): $3,243/yr

Estimated taxes if purchased at asking price: ~$4,300/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1979)

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

Solar potential: ~1,600 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

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.