This home is in James Island, Jacksonville — a home near Atlantic Coast High School.
Active·45 days on market·James Island
10977 Hickory Trace Lane
Jacksonville, FL 32256
About this home
James Island
INCENTIVES for flooring, paint, and cosmetics!! Nestled in the highly sought-after Deerwood area of Jacksonville, this spacious 5-bedroom, 3.5-bath estate offers over 4,000 sq ft of beautifully designed living space on an oversized lot. Featuring soaring ceilings, multiple living and entertaining areas, and a 3-car garage, this home blends comfort, elegance, and functionality. The thoughtfully designed floor plan includes generously sized bedrooms, a relaxing owner's suite, and ample space for gatherings. Enjoy the privacy and outdoor potential of the large backyard, perfect for entertaining or quiet evenings at home. Conveniently located near St. Johns Town Center, major highways, dining, shopping, and top Jacksonville attractions, this home delivers luxury living in one of the city's most desirable locations.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $634,888 | $578,471 | — |
| 2024 | $609,760 | $525,883 | ▲ $33,250 |
| 2023 | $591,781 | $478,076 | — |
| 2022 | $515,802 | $434,615 | — |
| 2021 | $395,105 | $395,105 | — |
| 2020 | $375,963 | $375,963 | — |
2025 property taxes (current owner): $11,008/yr
Estimated taxes if purchased at asking price: ~$16,600/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 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: Shingle — year not disclosed (home built 1999)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
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: ~1,731 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 homeAs 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
Price & status history
- Jul 9, 2026Price change$845,000−$4,900
- Jun 23, 2026Listed$849,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About James Island
James Island is a neighborhood in Jacksonville, FL (Duval County), ZIP 32256.
View all James Island homes for sale →Listing Courtesy of: OCCUPY REAL ESTATE GROUP, LLC.
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines