This home is in Jacksonville.

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Active

Active·29 days on market

3434 Blanding Boulevard 228

Jacksonville, FL 32210

$147,550$155/sqftEst. $752/moMLS# 2152181

Beds

Baths

950

Sq Ft

1969

Built

—

Garage

Pool

About this home

Jacksonville

This 950-square-foot, two-bedroom, two-bath end unit sits in the gated Coastal Creek waterfront community on the Cedar River. As an end unit it gets extra privacy and natural light, with a large rear balcony, no carpet anywhere, and assigned parking. Inside the gates you'll find a waterfront pool with sun decks, a remodeled clubhouse with a full kitchen, bar, and billiards, a waterfront fitness center, and grounds planted with more than 300 palms. Getting around is easy. Blanding Boulevard (State Road 21) runs right out front and connects to I-295 and US-17 (Roosevelt Boulevard) in minutes, with the First Coast Expressway nearby for trips south and west. Downtown Jacksonville is about eight miles northeast, and Naval Air Station Jacksonville is a short drive away. Errands are simple too. Cedar Hills Shopping Center sits less than a mile up the road with groceries, restaurants, and a gym, and there are three shopping centers within about half a mile. For more, the sho

Cost to own

Mortgage calculator

Home Price

$147,550

Down Payment: 20%

$29,510

Interest Rate: 6.58%

Loan Term

Monthly Payment

$752

Principal & Interest: $752

Property taxes (est.): $241

Insurance (est.): $98

Estimated Total Monthly

$1,092

*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$752

Property taxesest. at asking price, Duval County$241

HOAbilled monthly$434

Estimated total, before insurance$1,427/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,176/yr · $181/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

Last sold: $152,000 in April 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$121,500	$121,500	▼ $13,000
2024	$134,500	$19,857	—
2023	$134,500	$18,551	—
2022	$107,000	$17,283	—
2021	$83,000	$16,052	—
2020	$80,500	$15,486	—

2025 property taxes (current owner): $2,176/yr

Estimated taxes if purchased at asking price: ~$2,900/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 1969)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,603 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