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 — a home near Sandalwood High School.

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Active

Active·82 days on market

2483 Whispering Woods Boulevard 3

Jacksonville, FL 32246

$185,000$164/sqftEst. $943/moMLS# 2144207

Beds

Baths

1,128

Sq Ft

1983

Built

—

Garage

Pool

About this home

Jacksonville

Great location for this affordable townhome with NO HOA rules or fees! Perfect for 1st time homebuyers or investors. Close to UNF and walking distance to FSCJ South Campus. This move in ready 3-bedroom, 2-bath has been well maintained with fresh interior paint and durable vinyl plank flooring throughout. Major systems including the A/C and water heater were replaced in 2019. The updated kitchen offers granite countertops, tile backsplash, newer cabinetry, and convenient indoor laundry. The spacious primary suite includes dual closets and a walk-in shower. Enjoy added flexibility with a partially enclosed bonus space--perfect for a home office, gym, or hobby room. Step outside to a private fenced backyard with storage shed, ideal for relaxing or entertaining. Easy to show just make an appointment.

Cost to own

Mortgage calculator

Home Price

$185,000

Down Payment: 20%

$37,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$943

Principal & Interest: $943

Property taxes (est.): $302

Insurance (est.): $123

Estimated Total Monthly

$1,369

*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$943

Property taxesest. at asking price, Duval County$302

Estimated total, before insurance$1,245/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	$209,550	$147,228	—
2024	$192,372	$142,372	—
2023	$173,941	$162,368	—
2022	$147,608	$147,608	—
2021	$115,212	$58,259	—
2020	$106,765	$56,765	▼ $3,619

Estimated taxes if purchased at asking price: ~$3,600/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.

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,397 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