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This home is in Jacksonville.

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Active

Active·74 days on market

7768 Spaner Road

Jacksonville, FL 32256

$670,000Est. $3,441/moMLS# 2149375

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About this home

Jacksonville

Currently this is one parcel approximately 4 acres which can be sold two separate lots. 7768 Spaner Road 1.65 acres, Tax parcel 155526-0050 & part of 155526-0045, dimensions 111.5 x645. According to Contour maps from the city of jax, the northerly (front) portion of the site has an elevation of 29 ft with a gradual downward slope to the south to an elevation of 26. ft. (20,700 sq. ft wetland) Asking price $305,000. 7768 Spaner Road 2.57 acres Section 1, township 4 south, range 27 E,Duval county, Tax Park Part of 155526-0020. Dimensions: 111.5 x 195 x 89x450x200.5 x 645, (site is moderately wooded, according to the contour Maps from City Of Jax, northerly (front portion of the site has an elevation of 28ft with a gradual downward slope to the south to an elevation of 26 ft. (34,600sq.ft wetlands)(per appraisal).Asking price 365,000.00. No longer in Probate ready to close.

Cost to own

Mortgage calculator

Home Price

$670,000

Down Payment: 20%

$134,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$3,441

Principal & Interest: $3,441

Property taxes (est.): $1,094

Insurance (est.): $447

Estimated Total Monthly

$4,982

*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$3,441

Property taxesest. at asking price, Duval County$1,094

Estimated total, before insurance$4,535/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	$26,400	$26,400	—
2024	$26,400	$26,400	—
2023	$26,400	$26,400	—
2022	$26,400	$26,400	—
2021	$26,400	$26,400	—
2020	$26,400	$26,400	—

2025 property taxes (current owner): $468/yr

Estimated taxes if purchased at asking price: ~$13,100/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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

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

Solar potential: ~1,599 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