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 Jacksonville — a home near Sandalwood High School.

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Active Under Contract

Active Under Contract·53 days on market

1693 Timber Crossing Lane

Jacksonville, FL 32225

$525,000$185/sqftEst. $2,707/moMLS# 2150479

Beds

Baths

2,841

Sq Ft

2004

Built

Garage

Pool

About this home

Jacksonville

Step inside to a light-filled, open layout with a soaring staircase, generous living spaces, and a kitchen made for gathering. Four bedrooms, three baths, a downstairs office, and an upstairs bonus area give everyone room to breathe -- but the covered lanai, fire pit, and peaceful lake views out back are where you'll want to spend every evening. Three-car garage, beautifully landscaped yard, and a location that can't be beat -- minutes to the beaches, Mayport, Town Center, the Jacksonville Zoo, and 30 minutes to the airport. Low HOA, no CDD, and a neighborhood you'll love coming home to.

Cost to own

Mortgage calculator

Home Price

$525,000

Down Payment: 20%

$105,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,707

Principal & Interest: $2,707

Property taxes (est.): $857

Insurance (est.): $350

Estimated Total Monthly

$3,915

*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$2,707

Property taxesest. at asking price, Duval County$857

HOAbilled annually$42

Estimated total, before insurance$3,606/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	$411,763	$278,583	—
2024	$402,847	$270,025	▲ $20,000
2023	$415,441	$260,704	—
2022	$358,301	$251,655	—
2021	$292,869	$242,869	—
2020	$273,790	$171,924	▲ $19,244

Estimated taxes if purchased at asking price: ~$10,300/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 2004)

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: ~1,761 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

Price & status history

Jul 8, 2026Active Under Contract$525,000
Jun 17, 2026Listed$525,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$525,000

Price / Sq Ft$185

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,841

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages3

Has PoolNo

Is WaterfrontYes

School Information

ElementarySabal Palm

MiddleLandmark

HighSandalwood

Community Information

Address1693 Timber Crossing Lane, Jacksonville, FL 32225

Area043-Intracoastal West-North Of Atlantic Blvd

SubdivisionKernan Forest

CityJacksonville

CountyDuval

StateFL

Zip Code32225

Parcel Number1610202620

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Fitness Center, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingGarage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySmoke Detector(s)