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Active

Active·83 days on market

1640 Tanoan Drive

Jacksonville, FL 32221

$444,900$154/sqftEst. $2,285/moMLS# 2147853

Beds

Baths

2,889

Sq Ft

2022

Built

Garage

Pool

About this home

Jacksonville

Welcome to this beautifully upgraded 4BR/3.5BA home offering the perfect blend of comfort, style, and functionality all with NO CDD fees and a low HOA. **Preferred lender offering a credit equal to 1% of the loan amount toward closing costs or prepaids**. The bright open floor plan features luxury vinyl plank flooring throughout the main living areas, abundant natural light, and a stunning white kitchen with quartz countertops, ample cabinetry, and a spacious dining area that flows seamlessly into the living space. Upstairs offers generously sized bedrooms and a versatile loft/flex space perfect for a second living area, playroom, or office. The oversized primary suite includes additional space ideal for a nursery, sitting area, office, or custom closet. Enjoy a private backyard with no direct rear neighbors, a large fully fenced yard, and a spacious screened lanai. Community amenities include a pool, clubhouse, fitness center, pickleball courts, playground, and dog park.

Cost to own

Mortgage calculator

Home Price

$444,900

Down Payment: 20%

$88,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,285

Principal & Interest: $2,285

Property taxes (est.): $726

Insurance (est.): $297

Estimated Total Monthly

$3,308

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,285

Property taxesest. at asking price, Duval County$726

HOAbilled annually$36

Estimated total, before insurance$3,048/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,404/yr · $534/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: $403,700 in November 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$387,671	$330,123	—
2024	$370,112	$320,112	▲ $14,260
2023	$374,429	$324,429	—
2022	$57,250	$57,250	▲ $2,250

2025 property taxes (current owner): $6,404/yr

Estimated taxes if purchased at asking price: ~$8,700/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 2022)

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

Solar potential: ~1,745 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 8, 2026Price change$444,900−$10,100
May 30, 2026Listed$455,000

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

Features

Price$444,900

Price / Sq Ft$154

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,889

Acres0.13 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryChaffee Trail

MiddleChaffee Trail

HighBaldwin

Community Information

Address1640 Tanoan Drive, Jacksonville, FL 32221

Area065-Panther Creek/Adams Lake/Duval County-SW

SubdivisionPanther Creek

CityJacksonville

CountyDuval

StateFL

Zip Code32221

Lot Size5,662.8 sq ft

Parcel Number0018604015

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Pickleball, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Vinyl

# of Stories2

LevelsTwo

LaundryIn Unit