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This home is in Jacksonville.

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Active

Active·81 days on market

1319 Panther Lake Parkway

Jacksonville, FL 32221

$430,000$167/sqftEst. $2,208/moMLS# 2148049

Beds

Baths

2,574

Sq Ft

2023

Built

Garage

Pool

About this home

Jacksonville

VA Assumable Loan 4.75%!!**No CDD fees, a spacious preserve lot, and over 2,500 square feet of functional living space. This home delivers the features buyers are searching for without the compromises. Built in 2023, this thoughtfully designed home offers room to spread out with 3 bedrooms, 2.5 bathrooms, a dedicated flex space, and a large upstairs loft that can easily adapt to your lifestyle. Whether you need a home office, playroom, gym, or second living area, you'll have the flexibility to make it your own. The open concept main living area is anchored by a spacious kitchen featuring granite countertops, a large island, tiled backsplash, stainless steel appliances, and abundant storage. Upstairs, the primary suite provides a private retreat with tray ceilings, a garden tub, separate glass enclosed shower, and dual vanities. Step outside and enjoy one of the home's standout features: a fully fenced backyard backing to a peaceful preserve.

Cost to own

Mortgage calculator

Home Price

$430,000

Down Payment: 20%

$86,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,208

Principal & Interest: $2,208

Property taxes (est.): $702

Insurance (est.): $287

Estimated Total Monthly

$3,197

*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$2,208

Property taxesest. at asking price, Duval County$702

HOAbilled annually$36

Estimated total, before insurance$2,947/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.

Cost to own

Taxes & assessment

Last sold: $437,000 in July 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$356,435	$0	—
2024	$344,148	$0	▲ $12,917
2023	$67,500	$67,500	—

2025 property taxes (current owner): $384/yr

Estimated taxes if purchased at asking price: ~$8,400/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 2023)

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

Solar potential: ~1,537 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

Aug 14, 2026Price change$430,000−$10,000
Jun 1, 2026Listed$440,000

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

Features

Price$430,000

Price / Sq Ft$167

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,574

Total Structure Area3,334 sq ft

Acres0.19 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryChaffee Trail

MiddleChaffee Trail

HighBaldwin

Community Information

Address1319 Panther Lake Parkway, Jacksonville, FL 32221

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

SubdivisionPanther Creek

CityJacksonville

CountyDuval

StateFL

Zip Code32221

Lot Size8,276.4 sq ft

Parcel Number0018606200

ZoningPUD

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Jogging Path, Management - Off Site, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewProtected Preserve

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Home, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Water Heater, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2

LaundryElectric Dryer Hookup, Upper Level, Washer Hookup

SecuritySecurity System Owned, Smoke Detector(s)