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 Sutton Lakes, Jacksonville — a home near Sandalwood High School.

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Active

Active·65 days on market·Sutton Lakes

11125 Wyndham Hollow Lane

Jacksonville, FL 32246

$415,000$223/sqftEst. $2,116/moMLS# 2147148

Beds

Baths

1,865

Sq Ft

2002

Built

Garage

Pool

About this home

Sutton Lakes

Some homes check the boxes. This one changes the pace of your day. Hidden at the end of a quiet cul-de-sac in Jacksonville's soughtafter Sutton Lakes community, this beautifully updated home delivers the kind of privacy, warmth, and effortless flow that's hard to find in today's market. From the moment you step inside, you're welcomed by soaring vaulted ceilings, natural light, modern finishes, and flexible living spaces designed for both laid-back mornings and lively nights with friends and family. The heart of the home is the stylish granite kitchen overlooking the main living area -- perfect for hosting, staying connected, or simply enjoying everyday life. A split-bedroom layout creates ideal separation and comfort, while the spacious backyard offers a peaceful outdoor escape with room to entertain, unwind, or let pets roam freely. And the location? Exactly where you want to be. Sutton Lakes places you minutes from Jacksonville's beaches, St. Johns Town Center and top dining spots

Cost to own

Mortgage calculator

Home Price

$415,000

Down Payment: 20%

$83,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,116

Principal & Interest: $2,116

Property taxes (est.): $678

Insurance (est.): $277

Estimated Total Monthly

$3,070

*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$2,116

Property taxesest. at asking price, Duval County$678

HOAbilled annually$33

Estimated total, before insurance$2,827/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,479/yr · $457/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: $390,000 in April 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$329,740	$279,018	—
2024	$310,560	$293,530	—
2023	$318,180	$266,846	—
2022	$289,070	$242,588	—
2021	$220,535	$220,535	—
2020	$214,369	$214,369	—

2025 property taxes (current owner): $5,479/yr

Estimated taxes if purchased at asking price: ~$8,100/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 2002)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

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

Solar potential: ~1,669 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

Price & status history

Jul 30, 2026Price change$415,000−$5,000
Jul 24, 2026Price change$420,000−$5,000
May 26, 2026Listed$425,000

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

Features

Price$415,000

Price / Sq Ft$223

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,865

Acres0.15 acres

Year Built2002

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryBrookview

MiddleLandmark

HighSandalwood

Community Information

Address11125 Wyndham Hollow Lane, Jacksonville, FL 32246

Area023-Southside-East Of Southside Blvd

SubdivisionSutton Lakes

CityJacksonville

CountyDuval

StateFL

Zip Code32246

Lot Size6,534 sq ft

Parcel Number1652633545

ZoningResidential

Amenities

AmenitiesPool

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Eat-in Kitchen, Entrance Foyer, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Gas Water Heater, Microwave, Refrigerator

HeatingCentral, Natural Gas

CoolingCentral Air, Electric

FlooringCarpet, Laminate, Tile

# of Stories1

LevelsOne

LaundryIn Unit