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Active·49 days on market

2387 Rusty Lakes Lane

Jacksonville, FL 32221

$499,000$121/sqftEst. $2,656/moMLS# 2146304

Beds

Baths

4,126

Sq Ft

2005

Built

Jacksonville

About this home

New Roof Installed June 2026 and New Carpet Throughout May 2026! This spacious waterfront home offers one of the largest floor plans in Adams Lake and is perfect for a growing family or multigenerational living. Featuring 7 bedrooms, 3 full baths, and flexible living spaces, the main floor includes the owner's suite, a second bedroom, and a private office. Upstairs offers five additional bedrooms, a large laundry room, and an oversized bonus room ideal for a media room, playroom, or second living area. The kitchen features 42'' maple cabinets, granite countertops, and a large island. Enjoy peaceful pond and preserve views from the screened lanai with no rear neighbors. Additional highlights include a 3-car garage, a lot that extends beyond the fence line, low HOA fees, and no CDD fees. Don't miss the 3D tour!

Cost to own

Mortgage calculator

Home Price

$499,000

Down Payment: 20%

$99,800

Interest Rate: 7.00%

Loan Term

Monthly Payment

$2,656

Principal & Interest: $2,656

Est. Taxes & Insurance: $664

Estimated Total Monthly

$3,320

*Estimates based on 30-year loan at 7% APR. Actual payments 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 · 7.0% · 30yr$2,656

Property taxesest. at asking price, Duval County$815

HOAbilled annually$33

Estimated total, before insurance$3,504/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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	$392,297	$392,297	—

2025 property taxes (current owner): $7,326/yr

Estimated taxes if purchased at asking price: ~$9,800/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 3,908 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 2005)

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

Solar potential: ~1,645 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

May 21, 2026Listed$499,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$499,000

Price / Sq Ft$121

Bedrooms7

Bathrooms3.00

Full Baths3

Square Footage4,126

Acres0.95 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleA-Frame, Multi Generational

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryChaffee Trail

HighBaldwin

Community Information

Address2387 Rusty Lakes Lane, Jacksonville, FL 32221

Area065-Panther Creek/Adams Lake/Duval County-SW

SubdivisionAdams Lake

CityJacksonville

CountyDuval

StateFL

Zip Code32221

Lot Size41,382 sq ft

Parcel Number0020600720

Amenities

AmenitiesPool

UtilitiesElectricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewPond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Cooktop, Electric Oven, Microwave, Refrigerator

HeatingCentral, Hot Water

CoolingCentral Air, Multi Units

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Upper Level

SecuritySmoke Detector(s)