This home is in Jacksonville.

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Active

Active·45 days on market

10435 Midtown Parkway 154

Jacksonville, FL 32246

$219,900$170/sqftEst. $1,118/moMLS# 2149178

Beds

Baths

1,291

Sq Ft

2007

Built

Garage

Pool

About this home

Jacksonville

Beautiful corner end unit in desirable Esplanade at Town Center. 2 Spacious bedrooms! The master bedroom has a large walk-in closet, a remodeled bathroom w/ large walk in shower, & a beautiful view of the pond filled w/ many types of birds & ducks. The second bedroom also has a large walk-in closet, large bathroom w/ garden tub/shower, & a nice courtyard view. Windows Galore offers lots of natural light, & brings the outdoors in. Beautiful LVP in LR/DR, tile in entry, kitchen, & baths & new comfy carpeting in bedrooms. All appliances convey including upgraded washer & dryer. Hot water heater was recently replaced & the A/C was replaced in 2020. The Esplanade offers a lavish lifestyle living w/ resort style club house, pool, workout center, business center, & MORE! Located in the heart of Town Center! Walk to restaurants, apparel stores, sporting goods stores, furniture stores, grocery stores, health food stores, convenience stores, you name it, it's there!! See more remarks...

Cost to own

Mortgage calculator

Home Price

$219,900

Down Payment: 20%

$43,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,118

Principal & Interest: $1,118

Property taxes (est.): $359

Insurance (est.): $147

Estimated Total Monthly

$1,623

*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$1,118

Property taxesest. at asking price, Duval County$359

HOAbilled monthly$604

Estimated total, before insurance$2,081/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	$200,000	$200,000	▼ $36,000
2024	$236,000	$204,974	—
2023	$236,000	$186,340	—
2022	$195,500	$169,400	—
2021	$154,000	$154,000	—
2020	$154,000	$154,000	▲ $4,000

2025 property taxes (current owner): $3,569/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.

Likely sewer

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,611 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