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 waterfront home in Jacksonville.

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Active

Active·54 days on market

8416 Concord Boulevard W

Jacksonville, FL 32208

$299,999$191/sqftEst. $1,547/moMLS# 2146238

Beds

Baths

1,571

Sq Ft

1973

Built

Garage

Pool

About this home

Jacksonville

Enjoy waterfront living in this beautifully updated 3-bedroom, 2-bath home with stunning views and a private dock with floating boat lift. Perfect for boating, fishing, kayaking, or simply relaxing by the water. Inside, you'll find a bright open floor plan with luxury vinyl plank flooring throughout, a spacious living area, and an updated kitchen featuring granite countertops, stainless steel appliances, custom cabinetry, and a breakfast bar. The primary suite includes an updated en-suite bath, while two additional bedrooms and a second renovated full bath provide plenty of space for family or guests. Additional features include indoor laundry, a covered front porch, expansive backyard, and room to entertain. Move-in ready and ideal as a primary residence, vacation home, or investment property.

Cost to own

Mortgage calculator

Home Price

$299,999

Down Payment: 20%

$60,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,547

Principal & Interest: $1,547

Property taxes (est.): $490

Insurance (est.): $200

Estimated Total Monthly

$2,237

*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$1,547

Property taxesest. at asking price, Duval County$490

Estimated total, before insurance$2,037/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	$281,314	$0	—
2024	$250,389	$0	▼ $248
2023	$260,730	$0	—
2022	$241,289	$0	—
2021	$182,277	$125,191	—
2020	$177,704	$122,704	▼ $6,960

2025 property taxes (current owner): $384/yr

Estimated taxes if purchased at asking price: ~$5,900/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1973)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,288 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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