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 Samuel W. Wolfson High School.

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Active

Active·71 days on market

5503 Lakewood Circle E

Jacksonville, FL 32207

$280,000$244/sqftEst. $1,441/moMLS# 2149011

Beds

Baths

1,149

Sq Ft

1949

Built

Garage

Pool

About this home

Jacksonville

Discover rare potential in one of Jacksonville's most established neighborhoods! Situated on a fully cleared, oversized lot in highly sought-after Lakewood, this property offers the ultimate freedom with NO HOA and convenient rear street access. It's the perfect setup for storing a boat, RV, or work trailer while still leaving plenty of usable yard space for outdoor living. Inside, this 1,149 sq. ft. home features 3 bedrooms, 1 bathroom, and great bones. You'll find classic original hardwood floors just waiting to be restored to their former glory. The kitchen is fully equipped with solid-surface countertops, updated cabinetry, white appliances, and a gas range. Best of all, the big-ticket items are already taken care of. Enjoy total peace of mind with double-pane windows, an HVAC system and water heater both replaced within the last five years, and a brand-new roof to be installed prior to closing.

Cost to own

Mortgage calculator

Home Price

$280,000

Down Payment: 20%

$56,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,441

Principal & Interest: $1,441

Property taxes (est.): $457

Insurance (est.): $187

Estimated Total Monthly

$2,085

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,441

Property taxesest. at asking price, Duval County$457

Estimated total, before insurance$1,898/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	$196,766	$196,766	▲ $5,000
2024	$192,109	$192,109	—
2023	$197,287	$197,287	—
2022	$175,377	$175,377	▲ $11,481
2021	$144,385	$143,051	—
2020	$130,047	$130,047	—

Estimated taxes if purchased at asking price: ~$5,500/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 D

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

Roof: Shingle — year not disclosed (home built 1949)

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: ~1,671 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