This home is in Jacksonville.

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Pending

Pending·55 days on market

8550 Touchton Road 1022

Jacksonville, FL 32216

$179,000$169/sqftEst. $953/moMLS# 2146854

Beds

Baths

1,059

Sq Ft

2005

Built

Garage

Pool

About this home

Jacksonville

Come see this charming, move in ready, 2 bedroom, 2 bathroom home with breathtaking views of the lake from your screened in patio. Located in the gated community of Montreux, this dwelling includes a one of a kind, must see kitchen with granite countertops and custom woodwork. New flooring in the living area and new carpet in the bedrooms provide a new home feel. Your own private garage is included right underneath this second floor unit. Your home offers a resort lifestyle centrally located minutes to the St. John's Town Center. Convenient access to JTB to get you to the beach or downtown in minutes. This well-maintained community boasts a variety of amenities, including two pools, two hot tubs, picnic areas with grills, tennis courts, sand volleyball, a fitness center, a movie theater, a game room and more. This home offers a great combination of style, comfort, and location within the community, making it a rare opportunity you will not want to miss. Schedule your showing today!

Cost to own

Mortgage calculator

Home Price

$179,000

Down Payment: 20%

$35,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$910

Principal & Interest: $910

Est. Taxes & Insurance: $227

Estimated Total Monthly

$1,137

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). 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$953

Property taxesest. at asking price, Duval County$292

HOAbilled monthly$590

Estimated total, before insurance$1,835/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	$160,000	$25,000	▼ $17,000
2024	$177,000	$25,000	—
2023	$177,000	$25,000	—
2022	$153,000	$25,000	—
2021	$120,000	$25,000	—
2020	$120,000	$25,000	—

2025 property taxes (current owner): $588/yr

Estimated taxes if purchased at asking price: ~$3,500/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 2005)

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

Solar potential: ~1,751 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