This home is in Jacksonville.

1 / 22

Active

Active·32 days on market

8550 Touchton Road 2023

Jacksonville, FL 32216

$120,000$130/sqftEst. $612/moMLS# 2151626

Beds

Baths

920

Sq Ft

2005

Built

—

Garage

Pool

About this home

Jacksonville

BEAUTIFUL 1 bedroom, 1 bathroom, 2nd floor condo! BEAUTIFUL WATER VIEW from living room and master bedroom!!! You will find beautiful wood-look flooring throughout. Fresh Paint. Kitchen features granite countertops. Spacious living area plus dining room. Convenient indoor laundry room. Nice, roomy bathroom. This home is bright and airy with lots of windows for natural light. HVAC 2025. Water heater, Washer & Dryer are less than 4 years old. Brand New refrigerator. This gated community offers great amenities, including clubhouse, two resort style pools, fitness center, indoor basketball

Cost to own

Mortgage calculator

Home Price

$120,000

Down Payment: 20%

$24,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$612

Principal & Interest: $612

Property taxes (est.): $196

Insurance (est.): $80

Estimated Total Monthly

$888

*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$612

Property taxesest. at asking price, Duval County$196

HOAbilled monthly$510

Estimated total, before insurance$1,318/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,079/yr · $173/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: $162,000 in January 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$116,000	$116,000	▼ $33,000
2024	$149,000	$149,000	—
2023	$149,000	$149,000	—
2022	$129,800	$129,800	—
2021	$97,100	$95,965	—
2020	$97,100	$87,241	—

2025 property taxes (current owner): $2,079/yr

Estimated taxes if purchased at asking price: ~$2,400/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: ~1,782 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