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.

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Pending

Pending·81 days on market

7932 Merchants Way

Jacksonville, FL 32222

$239,000$147/sqftEst. $1,233/moMLS# 2145789

Beds

Baths

1,627

Sq Ft

2021

Built

Garage

Pool

About this home

Jacksonville

*VA ASSUMABLE 2.99% FOR VA ELIGIBLE BUYER* Beautifully upgraded end-unit townhome offering low-maintenance living in a quiet, tucked-away community just minutes from Oakleaf Town Center, restaurants, shopping, entertainment, and quick access to the First Coast Expressway. With guest parking and green space directly across the street, an extended driveway, and peaceful water views from the backyard, this home offers added privacy and one of the best locations in the community. Inside, you'll find luxury vinyl plank flooring throughout -- including the stairs -- along with upgraded lighting and ceiling fans in every room. The open-concept layout features white cabinetry, stainless steel appliances, recessed lighting, and spacious living and dining areas perfect for everyday living and entertaining.

Cost to own

Mortgage calculator

Home Price

$239,000

Down Payment: 20%

$47,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,233

Principal & Interest: $1,233

Property taxes (est.): $390

Insurance (est.): $159

Estimated Total Monthly

$1,782

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,233

Property taxesest. at asking price, Duval County$390

HOAbilled monthly$241

Estimated total, before insurance$1,864/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	$244,677	$124,353	—
2024	$245,645	$119,860	▲ $17,641
2023	$237,468	$114,622	▲ $19,453
2022	$209,511	$114,036	—
2021	$40,000	$39,090	—

Estimated taxes if purchased at asking price: ~$4,700/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 2021)

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

Solar potential: ~1,731 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