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This home is in Jacksonville.

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Active

Active·76 days on market

11520 Old Kings Road

Jacksonville, FL 32219

$280,000$184/sqftEst. $1,438/moMLS# 2149248

Beds

Baths

1,519

Sq Ft

2001

Built

—

Garage

Pool

About this home

Jacksonville

Welcome home to peaceful country living! Nestled on 2.5 beautiful acres along the creek-style waters of the Trout River, this inviting 3-bedroom, 2-bath home offers the perfect blend of comfort and nature. A charming flower bed and covered front porch create a warm welcome as you arrive. Inside, you'll find a spacious open floor plan featuring a huge family room, separate dining area, and a sizable kitchen with abundant cabinet space--ideal for entertaining and everyday living. The split-bedroom layout provides privacy, while the spacious primary suite boasts a relaxing garden tub and separate shower. Outside, enjoy a fully fenced yard, room to roam, and even tomato plants growing near the front entry. Whether you're looking for a private retreat or a place to enjoy country living, this property offers endless possibilities!

Cost to own

Mortgage calculator

Home Price

$280,000

Down Payment: 20%

$56,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,438

Principal & Interest: $1,438

Property taxes (est.): $457

Insurance (est.): $187

Estimated Total Monthly

$2,082

*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$1,438

Property taxesest. at asking price, Duval County$457

Estimated total, before insurance$1,895/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

Last sold: $255,000 in June 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$159,987	$0	—
2024	$157,625	$0	—
2023	$164,788	$164,788	▲ $42,819
2022	$73,003	$14,844	—
2021	$56,347	$13,684	▲ $3,444
2020	$53,035	$13,150	—

2025 property taxes (current owner): $373/yr

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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone B

Zone B evacuates after zone A in an approaching storm.

Roof: material not specified — year not disclosed (home built 2001)

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

Likely septic

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,172 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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