This home is in Jacksonville.

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Active

Active·21 days on market

8099 Summer Cove Court

Jacksonville, FL 32256

$219,900$176/sqftEst. $1,170/moMLS# 2152110

Beds

Baths

1,248

Sq Ft

2008

Built

—

Garage

Pool

About this home

Jacksonville

This move-in ready 2-bedroom, 2.5-bath Jacksonville home is tucked on a quiet cul-de-sac and packed with fresh updates, including new LVP flooring through the main living areas, new plush carpet in both bedrooms, hallway, and staircase, and fresh interior paint throughout. The functional layout flows naturally between living and dining spaces, and a screened porch adds a versatile outdoor retreat perfect for the Florida climate. Conveniently located in the 32256 zip code with easy access to major employers, top-rated schools, shopping, and dining -- this is a solid, well-presented opportunity in a desirable Jacksonville location.

Cost to own

Mortgage calculator

Home Price

$219,900

Down Payment: 20%

$43,980

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,111

Principal & Interest: $1,111

Est. Taxes & Insurance: $278

Estimated Total Monthly

$1,388

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$1,170

Property taxesest. at asking price, Duval County$359

HOAbilled monthly$240

Estimated total, before insurance$1,769/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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	$210,343	$210,343	▲ $5,000
2024	$206,178	$198,633	—
2023	$213,543	$180,576	—
2022	$182,473	$164,160	—
2021	$149,237	$149,237	—
2020	$138,631	$138,631	—

2025 property taxes (current owner): $3,752/yr

Estimated taxes if purchased at asking price: ~$4,300/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2008)

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

Likely septic

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: ~1,786 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History