This home is in Jacksonville.

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Active

Active·46 days on market

9390 Grand Falls Drive

Jacksonville, FL 32244

$220,000$145/sqftEst. $1,122/moMLS# 2148669

Beds

Baths

1,516

Sq Ft

2007

Built

Garage

Pool

About this home

Jacksonville

Enjoy peaceful pond views and low-maintenance living in this beautifully updated 3-bedroom, 2.5-bath townhome located in the desirable Watermill community. Built in 2007 and priced at $230,000, this move-in-ready property offers an ideal opportunity for first-time homebuyers, investors, or anyone seeking convenience and value on Jacksonville's Westside. Step inside to discover updated flooring throughout and a completely carpet-free interior, creating a clean, modern look that is both stylish and easy to maintain. The spacious main living area flows seamlessly into the dining space and kitchen, providing a functional layout for everyday living and entertaining. Located just minutes from NAS Jacksonville, major roadways, shopping, dining, and everyday conveniences, this home combines an attractive location with practical features that make ownership easy.

Cost to own

Mortgage calculator

Home Price

$220,000

Down Payment: 20%

$44,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,122

Principal & Interest: $1,122

Property taxes (est.): $359

Insurance (est.): $147

Estimated Total Monthly

$1,628

*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$1,122

Property taxesest. at asking price, Duval County$359

HOAbilled monthly$131

Estimated total, before insurance$1,612/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,682/yr · $307/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	$203,491	$179,533	—
2024	$197,702	$163,212	▲ $10,000
2023	$202,485	$148,375	▲ $26,195
2022	$169,697	$134,887	—
2021	$129,481	$122,625	—
2020	$111,478	$111,478	—

2025 property taxes (current owner): $3,682/yr

Estimated taxes if purchased at asking price: ~$4,300/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 — 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: material not specified — year not disclosed (home built 2007)

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

Solar potential: ~1,717 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