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.

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Pending

Pending·42 days on market

7103 Wendy Circle

Jacksonville, FL 32211

$224,999$149/sqftEst. $1,147/moMLS# 2152020

Beds

Baths

1,507

Sq Ft

1955

Built

—

Garage

Pool

About this home

Jacksonville

This well-cared-for home in a quiet neighborhood in Arlington sits on a great corner lot with 2 custom sheds. The extra square footage and huge utility room make this an easy conversion to a 3/2, 4/2, or added guest suite for a buyer with the right vision, and two custom sheds offer excellent storage. While this home is being sold as-is, most of the heavy lifting has been done already, boasting updated features including customer designer wood countertops in the kitchen and bathroom, an updated 50-year roof, brand new HVAC inside and out, updated flooring, and a powerful tankless water heater. This property offers strong potential for a buyer who wants added space and flexibility without starting from scratch. The layout, corner lot, and storage options make it especially appealing for someone looking for room to expand or reconfigure.

Cost to own

Mortgage calculator

Home Price

$224,999

Down Payment: 20%

$45,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,147

Principal & Interest: $1,147

Property taxes (est.): $367

Insurance (est.): $150

Estimated Total Monthly

$1,665

*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$1,147

Property taxesest. at asking price, Duval County$367

Estimated total, before insurance$1,515/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$913/yr · $76/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

Year	Market value	Taxable value	Change
2025	$149,878	$25,000	—
2024	$141,756	$25,000	—
2023	$150,542	$25,000	▲ $15,342
2022	$130,747	$25,000	—
2021	$102,828	$25,000	—
2020	$92,932	$25,000	▲ $6,857

2025 property taxes (current owner): $913/yr

Estimated taxes if purchased at asking price: ~$4,400/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1955)

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

Solar potential: ~1,504 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

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.