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This home is in Jacksonville.

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Active

Active·96 days on market

14091 Gossett Street

Jacksonville, FL 32218

$320,000$182/sqftEst. $1,643/moMLS# 2145768

Beds

Baths

1,760

Sq Ft

2023

Built

Garage

Pool

About this home

Jacksonville

3-year-old home located in a growing Northside area, just steps from Riverside shopping and dining. This home features a large enclosed back and side yard, backing up to natural rural surroundings, offering enhanced privacy. The front of the property includes a water view with no anticipated future development directly in front. This 4-bedroom, 2-bath home offers spacious bedrooms and a well-designed, open layout with generous living areas. Property features a professionally installed whole-house water treatment system, including a Westinghouse water softener and filtration equipment.

Cost to own

Mortgage calculator

Home Price

$320,000

Down Payment: 20%

$64,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,643

Principal & Interest: $1,643

Property taxes (est.): $523

Insurance (est.): $213

Estimated Total Monthly

$2,379

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,643

Property taxesest. at asking price, Duval County$523

Estimated total, before insurance$2,166/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: $300,000 in May 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$272,901	$272,901	▲ $19,592
2024	$253,784	$253,784	▲ $5,889
2023	$35,438	$28,585	—
2022	$33,075	$25,987	—
2021	$30,476	$30,476	▲ $2,363
2020	$32,062	$19,809	—

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.

Hurricane evacuation zone E

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

Roof: Shingle — year not disclosed (home built 2023)

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

Likely septic · Private well (public record)

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: ~1,509 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