This home is in Jacksonville.

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Active·38 days on market

11532 Birch Forest Circle E

Jacksonville, FL 32218

$250,000$153/sqftEst. $1,271/moMLS# 2150399

Beds

Baths

1,629

Sq Ft

1994

Built

Garage

Pool

About this home

Jacksonville

Back on the market no fault of the seller. Welcome home to this spacious 5-bedroom, 2-bath residence offering plenty of room for a growing family. With a flexible floor plan, this home features a dedicated area downstairs that can easily serve as a home office, study, playroom, or additional living space to fit your needs. The main level also includes a convenient downstairs bedroom and a full bathroom, making it ideal for guests, multigenerational living, or those seeking first-floor accommodations. Upstairs, you'll find additional bedrooms with ample space for family members, hobbies, or storage. Whether you're looking for room to spread out, work from home, or accommodate a growing household, this home offers the versatility and space you've been searching for. Don't miss the opportunity to make this property your own!

Cost to own

Mortgage calculator

Home Price

$250,000

Down Payment: 20%

$50,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,271

Principal & Interest: $1,271

Property taxes (est.): $408

Insurance (est.): $167

Estimated Total Monthly

$1,846

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$1,271

Property taxesest. at asking price, Duval County$408

Estimated total, before insurance$1,679/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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	$211,867	$46,552	—
2024	$195,573	$44,251	—
2023	$203,123	$41,215	—
2022	$174,579	$47,267	—
2021	$137,711	$45,405	▲ $2,500
2020	$134,027	$44,088	—

2025 property taxes (current owner): $1,373/yr

Estimated taxes if purchased at asking price: ~$4,900/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 D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: material not specified — year not disclosed (home built 1994)

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

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: ~1,590 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