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 Jacksonville — a gated community home in Jacksonville.

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Active

Active·54 days on market

4256 Studio Park Avenue

Jacksonville, FL 32216

$440,000$159/sqftEst. $2,243/moMLS# 2147406

Beds

Baths

2,766

Sq Ft

2007

Built

Garage

Pool

About this home

Jacksonville

Beautifully maintained and move-in ready, this spacious 4-bedroom, 3.5-bath townhome is nestled inside a desirable gated community just minutes from the St. Johns Town Center, IKEA, UNF, Jacksonville's beautiful beaches, premier dining, shopping, and entertainment. Designed for both comfort and functionality, this home features stunning real hardwood floors throughout, abundant natural light, and an open, inviting layout with two separate living areas plus a downstairs home theater perfect for entertaining or relaxing. Enjoy the Florida lifestyle from your private back patio or upstairs balcony. The spacious primary suite features a custom walk-in closet with built-in shelving, adding exceptional organization, convenience, and value. The seller has thoughtfully upgraded the home with shutters on all windows and two brand-new HVAC systems installed in 2025, offering added value and peace of mind. Community HOA amenities include a resort-style pool, fitness center, and clubhouse.

Cost to own

Mortgage calculator

Home Price

$440,000

Down Payment: 20%

$88,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,243

Principal & Interest: $2,243

Property taxes (est.): $718

Insurance (est.): $293

Estimated Total Monthly

$3,255

*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$2,243

Property taxesest. at asking price, Duval County$718

HOAbilled monthly$445

Estimated total, before insurance$3,407/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$6,261/yr · $522/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	$376,892	$324,282	▲ $14,263
2024	$364,436	$314,436	—
2023	$379,593	$350,794	—
2022	$355,192	$318,904	—
2021	$289,913	$289,913	—
2020	$276,401	$276,401	—

2024 property taxes (current owner): $6,261/yr

Estimated taxes if purchased at asking price: ~$8,600/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: material not specified — year not disclosed (home built 2007)

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

Sewer (public record)

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

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

Solar potential: ~1,728 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