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This home is in Jacksonville.

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Active·80 days on market

11325 Young Road Unit # 1

Jacksonville, FL 32218

$175,000$112/sqftEst. $899/moMLS# 2148245

Beds

Baths

1,560

Sq Ft

2003

Built

—

Garage

Pool

About this home

Jacksonville

Breathe in the fresh country air and enjoy the beauty of majestic, towering live oak trees that provide shade, character, and a timeless Southern setting. Offering plenty of room to roam, this property is ideal for horses, livestock, gardening or creating your own private mini farm. The existing home features an open-concept floor plan with a spacious family room that flows into the kitchen, a split-bedroom layout, and an inside laundry room. Bring your vision and personal touches to transform this home into the country retreat you've always imagined. Outside, you'll appreciate the fenced backyard, covered front porch perfect for relaxing with your morning coffee, and the convenience of a tankless electric water heater. Enjoy the freedom of country living while remaining just minutes from shopping, dining, schools, & everyday conveniences. Whether you're looking for a peaceful homestead, a place for your animals, or simply room to spread out & enjoy nature, this property is it!

Cost to own

Mortgage calculator

Home Price

$175,000

Down Payment: 20%

$35,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$899

Principal & Interest: $899

Property taxes (est.): $286

Insurance (est.): $117

Estimated Total Monthly

$1,301

*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$899

Property taxesest. at asking price, Duval County$286

Estimated total, before insurance$1,184/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$2,040/yr · $170/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	$129,455	$101,475	—
2024	$122,483	$92,250	—
2023	$133,494	$87,413	—
2022	$109,845	$79,467	—
2021	$73,214	$72,243	—
2020	$61,422	$61,422	—

2024 property taxes (current owner): $2,040/yr

Estimated taxes if purchased at asking price: ~$3,400/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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Metal — year not disclosed (home built 2003)

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

Likely septic

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,685 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