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This home is in Jacksonville.

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Active

Active·45 days on market

319 Greencastle Road 58

Jacksonville, FL 32225

$214,990$119/sqftEst. $1,096/moMLS# 2151247

Beds

Baths

1,800

Sq Ft

1973

Built

—

Garage

Pool

About this home

Jacksonville

Welcome to Regency Wood! This spacious 3-bedroom, 2.5-bath offers over 1,800 sq. ft. of comfortable living in one of Jacksonville's most convenient locations. The fully enclosed, ceramic-tiled Florida Room overlooks a peaceful courtyard and provides the perfect space to relax or entertain year-round. The thoughtfully designed floor plan features generous room sizes and abundant storage, including a large walk-in closet in the primary suite, additional storage in the foyer and bedrooms, and an inside laundry room with front-load washer and dryer. The kitchen features durable Corian countertops, a built-in desk and breakfast area, freshly painted white cabinetry, and ample cabinet space. The secondary bath has been updated, and the roof was replaced in 2018. Ideally located just minutes from Downtown, Jacksonville University, shopping and dining, public parks, major highways, and a short drive to Jacksonville's beaches. Low-maintenance living and a prime location make this a must see!

Cost to own

Mortgage calculator

Home Price

$214,990

Down Payment: 20%

$42,998

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,096

Principal & Interest: $1,096

Property taxes (est.): $351

Insurance (est.): $143

Estimated Total Monthly

$1,591

*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$1,096

Property taxesest. at asking price, Duval County$351

HOAbilled monthly$550

Estimated total, before insurance$1,997/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,967/yr · $247/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

Last sold: $205,000 in September 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$165,600	$165,600	▼ $12,000
2024	$177,600	$177,600	▲ $29,100
2023	$148,500	$61,755	—
2022	$108,500	$58,500	—
2021	$94,000	$88,577	—
2020	$85,000	$80,525	—

2025 property taxes (current owner): $2,967/yr

Estimated taxes if purchased at asking price: ~$4,200/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 — 2018 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,554 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