This home is in Marsh Creek, Jacksonville.

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Active

Active·13 days on market·Marsh Creek

5440 Spring Brook Road

Jacksonville, FL 32277

$299,900$199/sqftEst. $1,596/moMLS# 2152657

Beds

Baths

1,508

Sq Ft

1986

Built

Garage

Pool

About this home

Marsh Creek

**Seller will install new roof prior to close with an acceptable offer!** Ready to enjoy easy Florida living? This 3 bedroom, 2 bath home offers 1,508 sq. ft. of bright, welcoming space with tile flooring throughout the main living areas, skylights that fill the home with natural light, and a wood burning fireplace that adds warmth and character. The kitchen features newer stainless steel appliances, while the covered patio and wraparound back porch provide the perfect setting for relaxing, entertaining, or simply enjoying the outdoors. With an HOA of just $165 per quarter, including weekly front lawn service plus access to a community pool, basketball and tennis courts, you'll spend less time on upkeep and more time enjoying home. The neighborhood also offers beautiful views of the St. Johns River, adding to the peaceful atmosphere. Move right in and enjoy all this welcoming community has to offer.

Cost to own

Mortgage calculator

Home Price

$299,900

Down Payment: 20%

$59,980

Interest Rate: 7.00%

Loan Term

Monthly Payment

$1,596

Principal & Interest: $1,596

Est. Taxes & Insurance: $399

Estimated Total Monthly

$1,995

*Estimates based on 30-year loan at 7% APR. 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$1,596

Property taxesest. at asking price, Duval County$490

HOAbilled quarterly$55

Estimated total, before insurance$2,141/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	$213,879	$100,734	—
2022	$189,752	$85,667	—
2021	$140,951	$81,716	—
2020	$129,898	$79,898	—

2025 property taxes (current owner): $2,334/yr

Estimated taxes if purchased at asking price: ~$5,900/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 3,908 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: material not specified — year not disclosed (home built 1986)

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

Solar potential: ~1,279 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

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