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This home is in Jacksonville.

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Active

Active·54 days on market

13214 Hartwell Drive

Jacksonville, FL 32225

$375,000$254/sqftEst. $1,930/moMLS# 2151746

Beds

Baths

1,478

Sq Ft

1990

Built

Garage

Pool

About this home

Jacksonville

Welcome home to this beautifully maintained property located in one of Jacksonville's most convenient locations! Nestled in a quiet, established neighborhood, you'll enjoy easy access to everyday essentials including shopping, restaurants, fitness centers, coffee shops, and Publix--all just minutes away. Commuting is a breeze with quick access to major roadways, while Atlantic Boulevard provides a straight shot to Jacksonville's beautiful beaches, dining, and entertainment. Whether you're looking for a primary residence or your next investment opportunity, this home offers comfort, convenience, and location. Enjoy the best of both worlds--peaceful neighborhood living with everything you need just around the corner. Schedule your private showing today and come see all this property has to offer! HVAC 2021 Roof 2013 Water Heater 2021

Cost to own

Mortgage calculator

Home Price

$375,000

Down Payment: 20%

$75,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,930

Principal & Interest: $1,930

Property taxes (est.): $612

Insurance (est.): $250

Estimated Total Monthly

$2,792

*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$1,930

Property taxesest. at asking price, Duval County$612

Estimated total, before insurance$2,542/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	$284,548	$81,012	▲ $7,686
2024	$277,140	$77,881	▲ $26,295
2023	$257,790	$74,011	▲ $10,385
2022	$233,385	$74,754	▼ $6,294
2021	$190,381	$71,106	—
2020	$177,745	$69,428	—

Estimated taxes if purchased at asking price: ~$7,300/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 C

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

Roof: Shingle — 2021 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

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

Solar potential: ~1,794 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