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This home is in Jacksonville.

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Pending

Pending·75 days on market

5414 Sharon Terrace

Jacksonville, FL 32207

$163,000$146/sqftEst. $831/moMLS# 2146083

Beds

Baths

1,120

Sq Ft

1952

Built

—

Garage

Pool

About this home

Jacksonville

**HIGHEST & BEST OFFERS ARE DUE BY 5PM ON 5/22/2026**MOVE IN READY! Bright and spacious this 3 bedroom, 2 full bath concrete home features a kitchen with stainless steel appliances and solid surface countertops, updated bathrooms and a separate laundry room. Property is being sold ''As-Is'' with the right to inspect. Seller will make no repairs. Seller will not pay for or provide survey. This property may qualify for Seller Financing (Vendee). If property was built prior to 1978, Lead Based Paint Potentially exists. Please see attachments for offer instructions.

Cost to own

Mortgage calculator

Home Price

$163,000

Down Payment: 20%

$32,600

Interest Rate: 6.58%

Loan Term

Monthly Payment

$831

Principal & Interest: $831

Property taxes (est.): $266

Insurance (est.): $109

Estimated Total Monthly

$1,206

*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$831

Property taxesest. at asking price, Duval County$266

Estimated total, before insurance$1,097/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,162/yr · $180/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$218,052	$91,049	▲ $5,000
2024	$213,681	$87,635	▲ $7,000
2023	$204,428	$83,481	—
2022	$183,929	$79,448	▲ $3,297
2021	$153,703	$75,533	▲ $5,419
2020	$144,381	$73,731	▲ $15,000

2025 property taxes (current owner): $2,162/yr

Estimated taxes if purchased at asking price: ~$3,200/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.