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 Bartram Creek, Jacksonville — a home near Mandarin High School.

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Active

Active·95 days on market·Bartram Creek

14367 Durbin Island Way

Jacksonville, FL 32259

$469,000$196/sqftEst. $2,411/moMLS# 2147399

Beds

Baths

2,393

Sq Ft

2019

Built

Garage

Pool

About this home

Bartram Creek

Welcome to this stunning 3-bedroom, 2.5-bathroom home with a dedicated office and loft space, located in the highly sought-after Bartram Creek community. Built in 2019, this 2,393 square foot home offers a modern open floor plan filled with natural light and thoughtfully designed for both comfort and style. The kitchen is equipped with stainless steel appliances, granite countertops, a large center island, and generous cabinet space--perfect for cooking and entertaining. The spacious primary suite features an upgraded walk-in closet and a luxurious en-suite bathroom, creating a private retreat. High ceilings and large windows enhance the home's bright and airy atmosphere, while the covered lanai and landscaped backyard provide an ideal setting for relaxing or hosting guests. Situated in a quiet and well-maintained neighborhood in Duval County, the home is just minutes from the shops, restaurants, entertainment options at Durbin Pavilion Town Center. With easy access to I-95 and 9B

Cost to own

Mortgage calculator

Home Price

$469,000

Down Payment: 20%

$93,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,411

Principal & Interest: $2,411

Property taxes (est.): $766

Insurance (est.): $313

Estimated Total Monthly

$3,490

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,411

Property taxesest. at asking price, Duval County$766

HOAbilled monthly$70

Estimated total, before insurance$3,247/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,402/yr · $367/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

Year	Market value	Taxable value	Change
2025	$409,311	$217,272	—
2024	$395,723	$210,442	—
2023	$416,110	$202,331	▲ $25,000
2022	$376,572	$194,982	▲ $27,000
2021	$293,373	$187,847	—
2020	$272,901	$184,564	▲ $14,496

2025 property taxes (current owner): $4,402/yr

Estimated taxes if purchased at asking price: ~$9,200/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 A

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

Roof: Shingle — year not disclosed (home built 2019)

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

Solar potential: ~1,729 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