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Active Under Contract

Active Under Contract·44 days on market

13948 Norway Pine Place

Jacksonville, FL 32225

$404,900$301/sqftEst. $2,084/moMLS# 2151738

Beds

Baths

1,343

Sq Ft

1989

Built

Garage

Pool

About this home

Jacksonville

STUNNING and FRESHLY RENOVATED, this 3 bedroom, 2 bathroom, 2 car garage home sits on almost a fourth of an acre and is filled with endless details that will make you feel right at home! Welcomed by Radiant natural light and extra tall ceilings in the living room, this home feels incredibly spacious but offers a cozy charm. The completely renovated kitchen offers new cabinets, waterfall countertops, new appliances plus a extra spacious island! Stepping into the extra large master bedroom you'll love the two sink vanity and FULLY renovated bathroom. A few highlights include the brand NEW ROOF, NEW HVAC, and large backyard. Offering luxuries such as two beautifully renovated bathrooms, great storage space and excellent location, you'll never want to leave. This property offers everything you've been dreaming of, call to schedule you tour today!

Cost to own

Mortgage calculator

Home Price

$404,900

Down Payment: 20%

$80,980

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,084

Principal & Interest: $2,084

Property taxes (est.): $661

Insurance (est.): $270

Estimated Total Monthly

$3,015

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$2,084

Property taxesest. at asking price, Duval County$661

Estimated total, before insurance$2,745/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	$254,202	$88,662	—
2024	$256,212	$85,456	▲ $9,969
2023	$244,214	$81,511	—
2022	$213,921	$77,681	▲ $5,000
2021	$179,268	$73,963	—
2020	$174,058	$72,252	▲ $10,000

Estimated taxes if purchased at asking price: ~$7,900/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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 1989)

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

Likely septic · Public water · JEA

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: ~1,255 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