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 new construction home in Jacksonville.

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Active

Active·47 days on market

1992 W 20th Street

Jacksonville, FL 32209

$235,000$194/sqftEst. $1,212/moMLS# 2151657

Beds

Baths

1,213

Sq Ft

2025

Built

Garage

Pool

About this home

Jacksonville

Welcome to this stunning new construction 3-bedroom, 2-bath home perfectly situated on a quiet cul-de-sac, just steps from a scenic community park. Designed with both comfort and modern living in mind, this move-in-ready home offers a desirable open-concept floor plan filled with natural light. The spacious living area flows seamlessly into a stylish kitchen featuring sleek cabinetry, modern finishes, and plenty of counter space. The private primary suite offers a relaxing retreat with a well-appointed en-suite bath, while two additional bedrooms provide flexibility for guests, family, or a home office. Enjoy the convenience of an attached garage and a low-maintenance yard. Located in a peaceful neighborhood with close proximity to the community park. Don't miss the opportunity to own a brand-new home.

Cost to own

Mortgage calculator

Home Price

$235,000

Down Payment: 20%

$47,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,212

Principal & Interest: $1,212

Property taxes (est.): $384

Insurance (est.): $157

Estimated Total Monthly

$1,752

*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$1,212

Property taxesest. at asking price, Duval County$384

Estimated total, before insurance$1,596/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$7,089	$4,253	—
2024	$7,089	$3,867	—
2023	$5,166	$3,516	—
2022	$3,845	$3,197	—
2021	$3,244	$2,907	—
2020	$2,643	$2,643	—

2025 property taxes (current owner): $93/yr

Estimated taxes if purchased at asking price: ~$4,600/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: material not specified — year not disclosed (home built 2025)

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

Solar potential: ~1,246 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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