Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Bentwater Place, Jacksonville — a home near Sandalwood High School.

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Active

Active·46 days on market·Bentwater Place

2599 Bentshire Drive

Jacksonville, FL 32246

$434,800$259/sqftEst. $2,217/moMLS# 2150473

Beds

Baths

1,681

Sq Ft

2005

Built

Garage

Pool

About this home

Bentwater Place

Move-In Ready, Thoughtfully Upgraded, and Ready for Its Next Chapter! Low-rate ASSUMABLE loan. Newer roof. Extended deck. Garden space. Shed. All appliances included. All that's missing is a new family to call this 2005 built home their own. Welcome home to this beautifully maintained property offering the perfect blend of comfort, functionality, and value. Major improvements have already been completed, including a roof that is only 3 years old, providing peace of mind for years to come. Inside, you'll find a spacious and inviting layout enhanced by numerous craftsmanship upgrades and thoughtful touches throughout. Making your move seamless and stress-free. Enjoy a backyard built for entertaining with an extended deck, storage shed, and garden space perfect for growing your own fruits, vegetables, and herbs. Conveniently located near the beach, Mayo Clinic, Mayport, shopping, dining, and major highways.

Cost to own

Mortgage calculator

Home Price

$434,800

Down Payment: 20%

$86,960

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,217

Principal & Interest: $2,217

Property taxes (est.): $710

Insurance (est.): $290

Estimated Total Monthly

$3,217

*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$2,217

Property taxesest. at asking price, Duval County$710

HOAbilled annually$29

Estimated total, before insurance$2,956/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,117/yr · $343/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	$359,007	$202,249	—
2024	$344,875	$195,842	—
2023	$341,898	$188,682	—
2022	$319,447	$181,731	—
2021	$236,717	$174,982	—
2020	$221,876	$171,876	—

2025 property taxes (current owner): $4,117/yr

Estimated taxes if purchased at asking price: ~$8,500/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 E

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

Roof: material not specified — year not disclosed (home built 2005)

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: ~1,804 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