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

Active·78 days on market

13019 Surfside Drive

Jacksonville, FL 32258

$245,000$185/sqftEst. $1,249/moMLS# 2145624

Beds

Baths

1,327

Sq Ft

2006

Built

—

Garage

Pool

About this home

Jacksonville

Your Charming Townhome is ready to be yours!!! Prime and highly desirable Location close to grocery stores, restaurants, shopping centers, movie theaters, banks, and so much more. Conveniently located just minutes from everyday essentials and entertainment. Live in style in this charming Townhome!!! beautifully renovated. This stunning 2-bedroom, 2.5-bath home offers modern living with elegant finishes throughout. Featuring all Wood flooring, a fully equipped kitchen with sleek contemporary cabinetry, and modern appliances, granite counter tops, this townhome truly has it all. Enjoy spacious living areas, stylish upgrades, and a warm, inviting atmosphere perfect for comfortable living and entertaining. Move-in ready and waiting for you to call it home!!!!!!!

Cost to own

Mortgage calculator

Home Price

$245,000

Down Payment: 20%

$49,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,249

Principal & Interest: $1,249

Property taxes (est.): $400

Insurance (est.): $163

Estimated Total Monthly

$1,813

*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$1,249

Property taxesest. at asking price, Duval County$400

HOAbilled monthly$310

Estimated total, before insurance$1,959/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	$198,431	$198,431	—
2024	$209,842	$209,842	▲ $10,591
2023	$207,162	$90,691	▲ $38,548
2022	$162,851	$86,594	▼ $5,609
2021	$132,616	$82,616	—
2020	$127,746	$127,746	▲ $6,240

Estimated taxes if purchased at asking price: ~$4,800/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 D

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

Roof: material not specified — year not disclosed (home built 2006)

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: ~1,652 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