This home is in Jacksonville.

1 / 28

Pending

Pending·26 days on market

7756 Club Duclay Drive

Jacksonville, FL 32244

$89,000$64/sqftEst. $454/moMLS# 2153416

Beds

Baths

1,380

Sq Ft

1978

Built

—

Garage

Pool

About this home

Jacksonville

Investment property with multiple exit strategies! This 3-bedroom, 2-bath modular home offers 1,380 square feet and is conveniently located near Blanding Blvd. and I-295. Priced to provide exceptional value, this property offers tremendous upside for investors. Previously occupied by the same tenant for approximately 15 years, the home is now vacant and ready for its next chapter. Ideal as a buy-and-hold rental with estimated rents around $1,500/month, a PadSplit-style conversion with the potential to generate $4,000+/month, or a renovation project for resale. The flexible floor plan also offers the potential to convert to a 4-bedroom layout. Features include city water, city sewer, no HOA, and an established neighborhood. The home needs minor to moderate updates to become rent-ready or a more extensive renovation to maximize resale value. Investment opportunities at this price point are becoming increasingly difficult to find. Schedule your showing today!

Cost to own

Mortgage calculator

Home Price

$89,000

Down Payment: 20%

$17,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$454

Principal & Interest: $454

Property taxes (est.): $145

Insurance (est.): $59

Estimated Total Monthly

$658

*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$454

Property taxesest. at asking price, Duval County$145

Estimated total, before insurance$599/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,002/yr · $167/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	$128,464	$71,427	—
2024	$121,857	$64,934	▲ $3,092
2023	$118,049	$59,031	▲ $12,000
2022	$99,034	$53,665	▼ $10,105
2021	$93,890	$48,787	—
2020	$91,747	$44,352	—

2025 property taxes (current owner): $2,002/yr

Estimated taxes if purchased at asking price: ~$1,700/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: Shingle — year not disclosed (home built 1978)

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

Solar potential: ~1,578 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