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This home is in Jacksonville.

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Active

Active·33 days on market

3508 Trout River Boulevard

Jacksonville, FL 32208

$249,000$151/sqftEst. $1,284/moMLS# 2147110

Beds

Baths

1,653

Sq Ft

1974

Built

—

Garage

Pool

About this home

Jacksonville

OPEN HOUSE 08/08 1P-4P! Welcome home! This home is TURN KEY and ready for the next buyer! This completely renovated ranch home with 3 bedrooms, 2 full baths, and views of Trout River. The open-concept floor plan includes vinyl plank flooring through the entire home. The absolutely amazing high-end upgrades, such as designer kitchen with real quartz counters, accented gold touches to the hardware, and a retractable wall mount pot filler. The spacious master suite w/barn door bathroom vanities, new LVP, validates sophistication throughout the home. Additional upgrades include new roof 2024, entire home replumbed to the street-2025, HVAC 2025, electrical 2025, septic pumped 2025, and new well. The home will include a new stove. Seller will provide a credit of $2,000 towards an appliance package-full price offer. A PARTIAL fence will be installed. Convenient to I-95 or I-295, grocery stores, schools, parks, shops and restaurants.

Cost to own

Mortgage calculator

Home Price

$249,000

Down Payment: 20%

$49,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,284

Principal & Interest: $1,284

Property taxes (est.): $407

Insurance (est.): $166

Estimated Total Monthly

$1,857

*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$1,284

Property taxesest. at asking price, Duval County$407

Estimated total, before insurance$1,691/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$925/yr · $77/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

Last sold: $20,000 in June 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$30,519	$30,519	—
2024	$110,228	$110,228	—
2023	$114,740	$114,740	—
2022	$99,851	$91,141	▼ $590
2021	$83,331	$83,331	▲ $391
2020	$80,246	$80,246	▲ $3,427

2025 property taxes (current owner): $925/yr

Estimated taxes if purchased at asking price: ~$4,900/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 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.

Hurricane evacuation zone E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: material not specified — 2024 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Likely septic

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,620 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