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This home is in Il Villagio, Jacksonville.

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Active·48 days on market·Il Villagio

9745 Touchton Road 1205

Jacksonville, FL 32246

$225,000$178/sqftEst. $1,160/moMLS# 2151588

Beds

Baths

1,262

Sq Ft

2005

Built

—

Garage

Pool

About this home

Il Villagio

Experience refined condominium living in the prestigious gated community of Il Villagio. This beautifully appointed first-floor residence offers a rare combination of privacy and convenience, backing to a serene preserve setting that creates a peaceful retreat from the city's pace. Designed for effortless living, the thoughtfully crafted floor plan features spacious living and dining areas, abundant natural light, and seamless flow throughout. The well-appointed kitchen opens to the main living space, making everyday living and entertaining equally enjoyable. The private owner's suite provides a relaxing sanctuary, while additional living space offers flexibility for guests or a home office. Residents enjoy access to resort-style amenities including a clubhouse, fitness center, sparkling pool, and meticulously maintained grounds. Ideally situated just minutes from St. Johns Town Center, Jacksonville's premier shopping, dining, entertainment, and business districts, this exceptional r

Cost to own

Mortgage calculator

Home Price

$225,000

Down Payment: 20%

$45,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,160

Principal & Interest: $1,160

Property taxes (est.): $367

Insurance (est.): $150

Estimated Total Monthly

$1,678

*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$1,160

Property taxesest. at asking price, Duval County$367

HOAbilled monthly$417

Estimated total, before insurance$1,945/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,760/yr · $397/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	$236,000	$218,150	▲ $23,000
2024	$213,000	$198,319	—
2023	$213,000	$180,290	—
2022	$181,000	$163,900	—
2021	$149,000	$149,000	—
2020	$149,000	$147,620	—

2025 property taxes (current owner): $4,760/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: material not specified — year not disclosed (home built 2005)

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

Likely sewer

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

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

Solar potential: ~1,772 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