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This home is in Jacksonville.

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Active

Active·58 days on market

7047 Rivercrest Drive

Jacksonville, FL 32226

$438,000$174/sqftEst. $2,259/moMLS# 2150082

Beds

Baths

2,518

Sq Ft

1988

Built

Garage

Pool

About this home

Jacksonville

Welcome to the sought-after North Florida Keys, where coastal living meets everyday convenience. This beautifully updated 3-bedroom, 2.5-bath home offers plenty of space both inside and out, with no HOA restrictions and room for your boat! Step inside to find a versatile floor plan featuring a spacious living room, dining area, flex room, and an eat-in kitchen. The kitchen is tastefully updated with granite countertops, white cabinetry, and modern finishes. Updated light fixtures and ceiling fans throughout add a fresh, contemporary feel, while the absence of carpet makes maintenance a breeze. The primary suite features a walk-in closet and an updated bathroom with walk-in shower. Additional highlights include a 2-car garage with a convenient half bath, a double driveway, and a covered boat carport. Major updates provide peace of mind, including a roof replaced in 2020 and HVAC replaced in 2023. Outdoor living is equally impressive with a spacious front porch/wood deck, covered back

Cost to own

Mortgage calculator

Home Price

$438,000

Down Payment: 20%

$87,600

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,259

Principal & Interest: $2,259

Property taxes (est.): $715

Insurance (est.): $292

Estimated Total Monthly

$3,266

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,259

Property taxesest. at asking price, Duval County$715

Estimated total, before insurance$2,974/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,023/yr · $585/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

Last sold: $320,000 in February 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$372,511	$372,511	—
2024	$372,896	$372,896	▼ $9,819
2023	$392,254	$84,481	—
2022	$320,320	$80,565	▲ $63,635
2021	$218,942	$76,763	—
2020	$212,905	$75,013	—

2025 property taxes (current owner): $7,023/yr

Estimated taxes if purchased at asking price: ~$8,600/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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — 2020 per the listing

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

Likely septic · Private well (public record)

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: ~1,798 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