This home is in Jacksonville.

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Active

Active·67 days on market

4480 Deerwood Lake Parkway 352

Jacksonville, FL 32216

$320,000$160/sqftEst. $1,703/moMLS# 2144571

Beds

Baths

2,000

Sq Ft

2005

Built

Garage

Pool

About this home

Jacksonville

This exceptional penthouse residence is located in the heart of Jacksonville's sought after Southside. One of only a few true penthouse units in the community & uniquely features its own private individual garage, offering incredible convenience & added value. Inside, you will find a bright open concept layout filled with natural light, elevated ceilings, & stylish finishes that create a warm yet sophisticated atmosphere. The spacious living & dining areas flow seamlessly, perfect for relaxing or entertaining, while the kitchen offers ample storage & functionality for everyday living. Enjoy peaceful elevated views and the privacy of top floor living in a beautifully maintained gated community. Ideally located just minutes from St Johns Town Center, Tinseltown, dining, shopping, & major highways, this home offers both tranquility and accessibility. As an added bonus, the seller is paying all HOA & condo fees for the remainder of 2026, providing immediate savings & exceptional value.

Cost to own

Mortgage calculator

Home Price

$320,000

Down Payment: 20%

$64,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,627

Principal & Interest: $1,627

Est. Taxes & Insurance: $407

Estimated Total Monthly

$2,033

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$1,703

Property taxesest. at asking price, Duval County$523

HOAbilled quarterly$208

Estimated total, before insurance$2,434/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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	$293,500	$162,722	—
2024	$293,500	$157,429	▲ $13,500
2023	$280,000	$151,388	—
2022	$251,500	$145,523	—
2021	$200,000	$139,829	—
2020	$210,000	$137,209	—

2025 property taxes (current owner): $3,079/yr

Estimated taxes if purchased at asking price: ~$6,300/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.

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: material not specified — year not disclosed (home built 2005)

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

Likely septic

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,775 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History