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 gated community home in Jacksonville.

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Active Under Contract

Active Under Contract·94 days on market

7990 Baymeadows Road E 520

Jacksonville, FL 32256

$195,000$138/sqftEst. $1,002/moMLS# 2145522

Beds

Baths

1,408

Sq Ft

2002

Built

—

Garage

Pool

About this home

Jacksonville

Move in ready, GROUND FLOOR condo in the heart of Jacksonville just minutes from the St. Johns Town Center! This 3 bedroom, 2 bath condo features a desirable split-bedroom floor plan, tall ceilings, abundant natural light, and an open-concept living space. Spacious family room opens to a private screened lanai, ideal for relaxing morning coffee or evening unwind time. Kitchen comes equipped with all appliances plus washer and dryer. The primary suite offers privacy and comfort, while the additional bedrooms provide flexibility for guests, family, or a home office. Enjoy the convenience of a covered parking space plus GATED community amenities including a sparkling pool, fitness center and cabana area. This condo offers the ultimate lock-and-leave lifestyle, unbeatable access to shopping and dining, major highways, downtown Jacksonville, UNF, Mayo Clinic, and Jacksonville's beautiful beaches. Per permits, AC is from 2020.

Cost to own

Mortgage calculator

Home Price

$195,000

Down Payment: 20%

$39,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,002

Principal & Interest: $1,002

Property taxes (est.): $318

Insurance (est.): $130

Estimated Total Monthly

$1,451

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$1,002

Property taxesest. at asking price, Duval County$318

HOAbilled monthly$225

Estimated total, before insurance$1,546/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	$180,500	$129,778	▼ $27,500
2024	$208,000	$134,596	—
2023	$208,000	$129,220	—
2022	$174,000	$124,000	—
2021	$134,000	$134,000	—
2020	$124,000	$124,000	—

Estimated taxes if purchased at asking price: ~$3,800/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 E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: material not specified — year not disclosed (home built 2002)

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

Sewer & public water · JEA Water/Sewer in complex 2014 data

County records show this parcel on central sewer served by JEA Water/Sewer in complex 2014 data — no septic system to inspect or maintain.

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

Solar potential: ~1,762 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