This home is in Jacksonville.

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Active

Active·37 days on market

5825 Ovella Road

Jacksonville, FL 32244

$368,900$234/sqftEst. $1,881/moMLS# 2151280

Beds

Baths

1,578

Sq Ft

1957

Built

Garage

Pool

About this home

Jacksonville

Space for your RV. A workshop for your projects. Nearly an acre to enjoy. This Jacksonville property offers the lifestyle so many buyers are searching for. Situated on 0.84 acres with no HOA, you'll enjoy the freedom, privacy, and flexibility that are becoming harder to find while still being conveniently located in Jacksonville. Inside, you'll find a beautifully maintained home with a functional layout designed for everyday living. The spacious primary suite features an expansive custom walk-in closet with built-ins, offering exceptional storage and organization, while the rest of the home provides comfortable living spaces filled with natural light. Step outside to discover even more to love. The covered RV carport with an attached workshop is perfect for storing your RV, tackling weekend projects, or creating the ultimate hobby space. The detached air-conditioned flex building offers endless possibilities as a home office, gym, studio, or creative retreat, while the expansive

Cost to own

Mortgage calculator

Home Price

$368,900

Down Payment: 20%

$73,780

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,881

Principal & Interest: $1,881

Property taxes (est.): $602

Insurance (est.): $246

Estimated Total Monthly

$2,729

*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$1,881

Property taxesest. at asking price, Duval County$602

Estimated total, before insurance$2,483/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,414/yr · $285/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: $325,000 in March 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$249,336	$159,913	—
2024	$251,812	$154,699	▼ $715
2023	$146,909	$49,942	—
2022	$116,388	$47,032	—
2021	$102,058	$44,206	—
2020	$92,906	$42,906	—

2025 property taxes (current owner): $3,414/yr

Estimated taxes if purchased at asking price: ~$7,200/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.

Hurricane evacuation zone D

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

Roof: material not specified — year not disclosed (home built 1957)

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

Septic system (public record) · Private well (public record)

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: ~1,728 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