This home is in Jacksonville.

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Active·45 days on market

13811 Herons Landing Way 9

Jacksonville, FL 32224

$199,000$184/sqftEst. $1,011/moMLS# 2149150

Beds

Baths

1,079

Sq Ft

2006

Built

Garage

Pool

About this home

Jacksonville

Easy, Gated living near UNF, Mayport, Downtown and Beaches! WITH A 1 CAR Garage! Well-maintained 2-bedroom, 2-bath condo in GATED Heron's Landing with convenient access to I-95 and J. Turner Butler Blvd. First-floor private entry with attached garage leads to second-floor main living area. Open floor plan with luxury vinyl plank flooring throughout, vaulted ceilings, and ceiling fans. Kitchen features Corian countertops, upgraded lighting, and opens to the family and dining areas. Split bedroom layout offers privacy. Community is conveniently located near shopping, dining, entertainment, and a short drive to the beaches. The HOA includes cable, internet, water, sewer, and exterior landscaping. Convenient location, easy living and amenities. Great lifestyle!

Cost to own

Mortgage calculator

Home Price

$199,000

Down Payment: 20%

$39,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,011

Principal & Interest: $1,011

Property taxes (est.): $325

Insurance (est.): $133

Estimated Total Monthly

$1,469

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$1,011

Property taxesest. at asking price, Duval County$325

HOAbilled monthly$425

Estimated total, before insurance$1,761/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	$181,000	$152,266	—
2024	$181,000	$138,424	▲ $17,000
2023	$164,000	$125,840	—
2022	$144,500	$114,400	—
2021	$104,000	$104,000	—
2020	$104,000	$103,400	—

2025 property taxes (current owner): $2,904/yr

Estimated taxes if purchased at asking price: ~$3,900/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 C

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

Roof: material not specified — year not disclosed (home built 2006)

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

Likely sewer · part of complex with utility sewer · Public water · part of complex with utility water

County records indicate this parcel on central sewer served by part of complex with utility sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,789 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