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This home is in Jacksonville.

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Active

Active·90 days on market

6943 Catfish Lake Drive

Jacksonville, FL 32222

$320,000$159/sqftEst. $1,647/moMLS# 2145381

Beds

Baths

2,012

Sq Ft

2001

Built

Garage

Pool

About this home

Jacksonville

Lovingly maintained by the same owner for 20+ years, this move-in ready 4-bedroom home sits on a quiet street in the desirable community of Plum Tree just minutes from Oakleaf Town Center! Lovingly cared for by the same owner for over 20 years, this well-maintained home is packed with value. Tucked away on a quiet cul-de-sac, it offers peace and privacy while still being close to everything you need. Inside, you'll find smooth-finish walls, brand-new flooring, and fresh interior paint, creating a clean, contemporary feel throughout. The open-concept layout is filled with natural light, perfect for both everyday living and entertaining. Step outside to a screened-in porch overlooking a spacious backyard--ideal for morning coffee, weekend barbecues, or simply unwinding after a long day. Solar panels provide long-term energy savings, adding to the home's overall efficiency and value. With top-rated schools, major highways, and the shops and dining of Oakleaf Town Center just minutes away!

Cost to own

Mortgage calculator

Home Price

$320,000

Down Payment: 20%

$64,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,647

Principal & Interest: $1,647

Property taxes (est.): $523

Insurance (est.): $213

Estimated Total Monthly

$2,383

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,647

Property taxesest. at asking price, Duval County$523

HOAbilled annually$23

Estimated total, before insurance$2,192/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

Last sold: $114,000 in October 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$284,364	$0	—
2024	$276,587	$0	▲ $12,437
2023	$274,719	$0	▲ $28,324
2022	$237,130	$0	▲ $13,731
2021	$188,266	$45,469	—
2020	$171,104	$44,151	▲ $9,312

2025 property taxes (current owner): $366/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: Shingle — year not disclosed (home built 2001)

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: ~1,774 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

May 15, 2026Listed$320,000

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

Features

Price$320,000

Price / Sq Ft$159

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,012

Acres0.18 acres

Year Built2001

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

MiddleSelect One

Community Information

Address6943 Catfish Lake Drive, Jacksonville, FL 32222

Area064-Bent Creek/Plum Tree

SubdivisionPlum Tree

CityJacksonville

CountyDuval

StateFL

Zip Code32222

Lot Size7,840.8 sq ft

Parcel Number0163141140

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile, Vinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup