This home is in Sutton Lakes, Jacksonville.

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Active

Active·5 days on market·Sutton Lakes

11120 Tiverton Court

Jacksonville, FL 32246

$359,900$252/sqftEst. $1,835/moMLS# 2148370

Beds

Baths

1,431

Sq Ft

2000

Built

Garage

Pool

About this home

Sutton Lakes

Move-in ready three-bedroom, two-bathroom home with an attached garage in the highly desirable Sutton Lakes neighborhood. This home features an open layout with tall ceilings in the living room, creating a seamless and airy feel throughout the main living space. The updated kitchen boasts granite countertops and stainless steel appliances, making it a functional and stylish space for cooking and entertaining. The primary suite offers a private retreat, complete with a large walk-in closet. Step outside to a fully fenced-in backyard, providing a secure space for outdoor entertaining or relaxation. Conveniently located just minutes from Atlantic Boulevard, premier shopping, dining, and a short drive to the beaches, this home is ideal for those looking for comfort without sacrificing location. Schedule your private showing today!

Cost to own

Mortgage calculator

Home Price

$359,900

Down Payment: 20%

$71,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,835

Principal & Interest: $1,835

Property taxes (est.): $588

Insurance (est.): $240

Estimated Total Monthly

$2,663

*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$1,835

Property taxesest. at asking price, Duval County$588

HOAbilled annually$33

Estimated total, before insurance$2,456/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,692/yr · $474/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	$300,189	$300,189	▲ $15,000
2024	$285,917	$285,917	—
2023	$284,154	$284,154	—
2022	$263,040	$263,040	—
2021	$198,776	$198,776	—
2020	$186,090	$186,090	—

2025 property taxes (current owner): $5,692/yr

Estimated taxes if purchased at asking price: ~$7,100/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 2000)

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

Sewer & public water · JEA

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

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

Solar potential: ~1,792 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 24, 2026Active$359,900

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

Features

Price$359,900

Price / Sq Ft$252

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,431

Total Structure Area1,431 sq ft

Acres0.18 acres

Year Built2000

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address11120 Tiverton Court, Jacksonville, FL 32246

Area023-Southside-East Of Southside Blvd

SubdivisionSutton Lakes

CityJacksonville

CountyDuval

StateFL

Zip Code32246

Lot Size7,840.8 sq ft

Parcel Number1652629510

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Playground

UtilitiesElectricity Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom - Tub with Shower, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup

SecuritySmoke Detector(s)