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 Atlantic Coast High School.

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Active

Active·47 days on market

8125 Summer Point Court

Jacksonville, FL 32256

$224,000$179/sqftEst. $1,142/moMLS# 2150905

Beds

Baths

1,248

Sq Ft

2006

Built

—

Garage

Pool

About this home

Jacksonville

Price reduced!!! Move-in ready townhome in gated community with many recent interior updates at an affordable price! Fantastic location off Baymeadows East with a regional park next door and only five minutes to the St Johns Town Center. Brand new kitchen appliances, interior paint, carpeting, ceiling fans, fixtures, etc. and shows like a model! All appliances convey including washer and dryer. roof is only 3 years old. Two-story unit with vaulted bedrooms upstairs and feels like 2 owner's suites. Zoned for ''A'' rated high school. Community amenities include fitness and pool area as well. Centrally located close to everything in a quickly developing area of town! One assigned parking space with ample guest parking spaces. This listing will not last so make your appointment today!

Cost to own

Mortgage calculator

Home Price

$224,000

Down Payment: 20%

$44,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,142

Principal & Interest: $1,142

Property taxes (est.): $366

Insurance (est.): $149

Estimated Total Monthly

$1,657

*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$1,142

Property taxesest. at asking price, Duval County$366

HOAbilled monthly$240

Estimated total, before insurance$1,748/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,685/yr · $307/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	$206,560	$206,560	▲ $5,000
2024	$202,400	$193,573	—
2023	$209,578	$175,976	—
2022	$178,156	$159,979	—
2021	$145,436	$145,436	—
2020	$135,136	$135,136	—

2025 property taxes (current owner): $3,685/yr

Estimated taxes if purchased at asking price: ~$4,400/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: Shingle — year not disclosed (home built 2006)

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

Sewer (public record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,752 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