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This home is in Jacksonville.

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Active Under Contract

Active Under Contract·41 days on market

5338 Palmer Avenue

Jacksonville, FL 32210

$245,000$201/sqftEst. $1,263/moMLS# 2152509

Beds

Baths

1,220

Sq Ft

2017

Built

Garage

Pool

About this home

Jacksonville

Welcome home to an incredible opportunity at an even better price! Featuring brand-new flooring throughout and fresh interior paint, this move-in-ready home offers a fresh, updated feel from the moment you step inside. Situated on a generously sized lot, this property offers plenty of outdoor space while combining value, convenience, and potential. Perfect for first-time homebuyers or savvy investors looking to expand their portfolio, this home presents an excellent opportunity to own in a centrally located area. Conveniently located just over 5 miles from Riverside, close to NAS JAX, and about 30 minutes from Jacksonville International Airport, you'll enjoy easy access to local dining, shopping, entertainment, and everyday conveniences. This home is one you won't want to miss. Schedule your showing today!

Cost to own

Mortgage calculator

Home Price

$245,000

Down Payment: 20%

$49,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,263

Principal & Interest: $1,263

Property taxes (est.): $400

Insurance (est.): $163

Estimated Total Monthly

$1,827

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,263

Property taxesest. at asking price, Duval County$400

Estimated total, before insurance$1,663/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,223/yr · $352/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	$216,410	$216,410	—
2024	$214,447	$197,382	▲ $6,699
2023	$216,425	$179,439	▲ $18,409
2022	$190,731	$163,127	▲ $13,924
2021	$148,298	$148,298	—
2020	$143,823	$142,060	—

2025 property taxes (current owner): $4,223/yr

Estimated taxes if purchased at asking price: ~$4,800/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 D

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

Roof: material not specified — year not disclosed (home built 2017)

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

Solar potential: ~1,204 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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