This home is in Jacksonville.

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Active

Active·49 days on market

8267 Stelling Drive

Jacksonville, FL 32244

$295,000$195/sqftEst. $1,504/moMLS# 2149249

Beds

Baths

1,511

Sq Ft

2004

Built

Garage

Pool

About this home

Jacksonville

MOTIVATED SELLER. PRICE REDUCTION. HOME WARRANTY. This 4-bedroom room home features a beautiful, upgraded kitchen with stainless steel appliances, granite countertops, breakfast bar, split bedroom plan with well-sized bedrooms; the 2 car garage has plenty of storage and parking and fenced in backyard with 2021 roof. Enjoy Watermill Amenity Center with no CDD fees including playground, community pool, various sports courts (basketball, volleyball, tennis). Great location close to schools, daycares, library, shopping, and restaurants, Oakleaf shopping areas and EPIC theatre is within a mile away. Easy access to Cecil Commerce, NAS Jax, Orange Park and short commute into downtown Jacksonville.

Cost to own

Mortgage calculator

Home Price

$295,000

Down Payment: 20%

$59,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,504

Principal & Interest: $1,504

Property taxes (est.): $482

Insurance (est.): $197

Estimated Total Monthly

$2,182

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,504

Property taxesest. at asking price, Duval County$482

HOAbilled annually$50

Estimated total, before insurance$2,036/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,682/yr · $140/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$240,303	$64,971	—
2024	$240,898	$62,433	▲ $10,000
2023	$246,652	$59,159	▲ $10,000
2022	$228,472	$55,980	—
2021	$168,336	$52,894	—
2020	$154,099	$51,474	▲ $5,700

2025 property taxes (current owner): $1,682/yr

Estimated taxes if purchased at asking price: ~$5,800/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 — 2021 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,745 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