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 pool home in Jacksonville.

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Active

Active·50 days on market

258 Machelle Drive

Jacksonville, FL 32220

$498,900$269/sqftEst. $2,573/moMLS# 2151155

Beds

Baths

1,853

Sq Ft

1966

Built

Garage

Yes

Pool

About this home

Jacksonville

Imagine stepping into your own private paradise. This fully renovated concrete block 4-bedroom, 2-bath pool home sits on nearly 4 acres of serene land. Right behind you are 45 acres of protected city-owned woods that will never be developed -- your forever playground for exploring, camping, and family adventures.The highlight is the spacious Florida room with its own bar, perfect for year-round gatherings. Step outside to the large sparkling pool in summer, or cozy up by the fireplace in winter as laughter fills the air.Every detail shines with high-end finishes: new LVP flooring, tile bathrooms, white shaker cabinets with quartz countertops, a freestanding soaking tub, frameless glass showers, and a women's vanity area. Generous living spaces, and a high-ceiling garage complete this dream home.This isn't just a house -- it's where your family will create a lifetime of joy. Come feel what it means to truly come home.

Cost to own

Mortgage calculator

Home Price

$498,900

Down Payment: 20%

$99,780

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,573

Principal & Interest: $2,573

Property taxes (est.): $815

Insurance (est.): $333

Estimated Total Monthly

$3,720

*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$2,573

Property taxesest. at asking price, Duval County$815

Estimated total, before insurance$3,387/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$785/yr · $65/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	$267,640	$0	▲ $12,040

2025 property taxes (current owner): $785/yr

Estimated taxes if purchased at asking price: ~$9,800/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: Metal — year not disclosed (home built 1966)

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

Likely septic · Public water · JEA

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: ~1,688 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