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Active·45 days on market

7068 Deer Lodge Circle 107

Jacksonville, FL 32256

$153,900$143/sqftEst. $785/moMLS# 2149489

Beds

Baths

1,079

Sq Ft

2007

Built

Garage

Pool

About this home

Jacksonville

**Future Home Loans will provide up to 1% lender credit for closing costs, prepaids or rate buy down when using Sean Rigsby with Future Home Loans.** You found it-the best value on Jacksonville's Southside! This well-maintained 2-bedroom, 2-bathroom condo comes complete with a private garage, a rare and highly sought-after feature that sets this home apart from the competition. Enjoy the convenience of living in the heart of Jacksonville, with endless dining, shopping, and entertainment options just minutes away. You're only 10 minutes from the St. Johns Town Center, 15 minutes from Downtown Jacksonville, and approximately 20 minutes from Jacksonville Beach. You'll also enjoy added peace of mind knowing the HVAC system was replaced in 2026, helping to minimize future maintenance concerns. Whether you're looking for a primary residence, a seasonal retreat, or an investment opportunity, this condo offers the perfect blend of location, value, and lifestyle.

Cost to own

Mortgage calculator

Home Price

$153,900

Down Payment: 20%

$30,780

Interest Rate: 6.58%

Loan Term

Monthly Payment

$785

Principal & Interest: $785

Property taxes (est.): $251

Insurance (est.): $103

Estimated Total Monthly

$1,139

*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$785

Property taxesest. at asking price, Duval County$251

HOAbilled monthly$532

Estimated total, before insurance$1,568/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: $194,000 in June 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$153,000	$0	—
2024	$153,000	$98,000	—
2023	$165,000	$165,000	—
2022	$136,500	$113,300	—
2021	$103,000	$103,000	—
2020	$96,000	$96,000	—

2025 property taxes (current owner): $21/yr

Estimated taxes if purchased at asking price: ~$3,000/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: ~1,778 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