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 home near Sandalwood High School.

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Active Under Contract

Active Under Contract·56 days on market

2519 Whispering Woods Boulevard 3

Jacksonville, FL 32246

$215,000$178/sqftEst. $1,096/moMLS# 2148526

Beds

Baths

1,205

Sq Ft

1983

Built

—

Garage

Pool

About this home

Jacksonville

Welcome to this beautifully remodeled 3BR/2BA townhome, offering the rare and sought-after benefit of NO HOA! This move-in-ready residence is perfectly situated in a desirable neighborhood, providing easy access to the area's best amenities, including the beaches and St. Johns Town Center. Inside, you will find a bright, open layout complemented by new LVP flooring throughout. The heart of the home is the brand-new kitchen, featuring elegant white shaker cabinets, stunning quartz counters, and a suite of brand new stainless steel appliances. Both bathrooms have also been tastefully updated, providing a fresh and contemporary feel. Enjoy complete peace of mind knowing the major systems have been recently replaced: this home boasts a Brand New Roof, a 2021 AC system, and a 2021 Water Heater. For added security, the home was re-piped in 2006. This townhome perfectly blends prime location, extensive remodeling, and critical mechanical upgrades. A true gem ready for its new owner!

Cost to own

Mortgage calculator

Home Price

$215,000

Down Payment: 20%

$43,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,096

Principal & Interest: $1,096

Property taxes (est.): $351

Insurance (est.): $143

Estimated Total Monthly

$1,591

*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$1,096

Property taxesest. at asking price, Duval County$351

Estimated total, before insurance$1,447/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,112/yr · $176/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	$160,868	$64,779	—
2024	$143,248	$58,890	—
2023	$124,106	$53,537	—
2022	$101,859	$48,670	—
2021	$86,899	$44,246	—
2020	$79,403	$40,224	▼ $2,469

2025 property taxes (current owner): $2,112/yr

Estimated taxes if purchased at asking price: ~$4,200/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 1983)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,523 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