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This home is in Jacksonville.

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Active

Active·79 days on market

15974 Great Lakes Circle

Jacksonville, FL 32218

$535,000$153/sqftEst. $2,748/moMLS# 2148782

Beds

Baths

3,498

Sq Ft

2020

Built

Garage

Pool

About this home

Jacksonville

Welcome to this beautifully maintained 5 bedroom 4.5 bath home in the highly desirable gated community of Pine Lakes! Built in 2020, this spacious 2 story home offers 3,498 sq ft of living space on a generous 0.23 acre lot with a 3 car garage. Enjoy an open concept layout perfect for entertaining, a gourmet kitchen, and a grand owner's suite. The community features a resort style pool, clubhouse, and fitness center with NO CDD fees and a low HOA. Conveniently located near I95, River City Marketplace, and top rated schools. This home is also an ideal fit for military families, with easy access to both Naval Air Station Jacksonville and Naval Station Mayport. Whether you are PCSing to the area or looking for a spacious home close to base, this one checks every box. Space, style, and an unbeatable location. Don't miss your chance to call Pine Lakes home Some Appliances are negotiable with correct offer not everything conveys.

Cost to own

Mortgage calculator

Home Price

$535,000

Down Payment: 20%

$107,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,748

Principal & Interest: $2,748

Property taxes (est.): $874

Insurance (est.): $357

Estimated Total Monthly

$3,978

*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$2,748

Property taxesest. at asking price, Duval County$874

HOAbilled quarterly$86

Estimated total, before insurance$3,707/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$454,154	$0	—
2024	$455,612	$325,643	▼ $561
2023	$459,247	$301,082	—
2022	$430,717	$290,711	▲ $16,853
2021	$335,642	$280,642	—
2020	$45,000	$45,000	—

2025 property taxes (current owner): $384/yr

Estimated taxes if purchased at asking price: ~$10,500/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 E

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

Roof: material not specified — year not disclosed (home built 2020)

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

Solar potential: ~1,739 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