This home is in Jacksonville.

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Active Under Contract

Active Under Contract·41 days on market

2320 Chartley Lane N

Jacksonville, FL 32246

$475,000$210/sqftEst. $2,528/moMLS# 2148637

Beds

Baths

2,266

Sq Ft

2002

Built

Garage

Pool

About this home

Jacksonville

**MULTIPLE OFFERS RECV'D - HIGHEST & BEST DUE BY 5 PM ON 6/7** A home that welcomes you the moment you step through the foyer and feel the warmth of bamboo underfoot. This inviting 4BR/2BA, 2,266 SF residence is laid out for comfortable living and effortless entertaining: formal living and dining rooms flow into a generous family room where afternoons unfold, and a kitchen with stainless appliances, granite counters, and tile backsplash becomes the heart of the home. The primary suite is a private retreat--bamboo flooring, French doors that open to the covered lanai, and a spa-like en-suite with travertine tile flooring, dual quartz-topped vanities, a garden tub and separate walk-in shower. On the opposite side of the home, three bedrooms offer space for family, guests, or a home office. Outside, the yard feels like a secret garden on a generous .33-acre lot with no neighbor to the right: two pergolas and a low-maintenance Azek deck create perfect spots for morning coffee or evening

Cost to own

Mortgage calculator

Home Price

$475,000

Down Payment: 20%

$95,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,399

Principal & Interest: $2,399

Est. Taxes & Insurance: $600

Estimated Total Monthly

$2,999

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,528

Property taxesest. at asking price, Duval County$776

HOAbilled annually$35

Estimated total, before insurance$3,338/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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

Year	Market value	Taxable value	Change
2025	$403,806	$164,179	—
2024	$380,021	$158,704	—
2023	$394,679	$152,480	—
2022	$365,518	$150,937	—
2021	$275,362	$145,570	—
2020	$257,875	$142,870	—

2025 property taxes (current owner): $3,442/yr

Estimated taxes if purchased at asking price: ~$9,300/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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 2002)

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: ~1,808 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Jun 4, 2026Listed$475,000

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

Features

Price$475,000

Price / Sq Ft$210

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,266

Acres0.33 acres

Year Built2002

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesSouthwest

School Information

ElementaryKernan Trail

MiddleKernan

HighSandalwood

Community Information

Address2320 Chartley Lane N, Jacksonville, FL 32246

Area023-Southside-East Of Southside Blvd

SubdivisionWellsley Place

CityJacksonville

CountyDuval

StateFL

Zip Code32246

Lot Size14,374.8 sq ft

Parcel Number1652863820

ZoningResidential

Amenities

AmenitiesPlayground

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Stone, Vinyl

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySmoke Detector(s)