This home is in Jacksonville.

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Active

Active·5 days on market

2282 Justin Lake Drive

Jacksonville, FL 32221

$340,000$145/sqftEst. $1,810/moMLS# 2153774

Beds

Baths

2,349

Sq Ft

2006

Built

Garage

Pool

About this home

Jacksonville

Welcome to Adams Lake, a sought after community offering sidewalks, streetlights, and amenities including a club house, pool, playground, scenic lakes and a basketball court. This well maintained 3 bedroom, 2 bath home features an open concept layout, with formal living and dining rooms, a dedicated office and family room The kitchen is well equipped with granite countertops, white cabinetry, black appliances, a breakfast bar, and cafe. Conveniently located near the café and family room, this area is perfect for entertaining. The primary suite is spacious with a tray ceiling, walk in closet, and private bath with granite counter tops and a large tub shower combination. Two additional bedrooms provide added space for guest or activities. Outside, a lush yard and patio provide space to relax or entertain. Conveniently located near Normandy Blvd and I 295, this home offers easy access to shopping, dining, and schools. No CDD fees and low HOA dues make this home an exceptional value.

Cost to own

Mortgage calculator

Home Price

$340,000

Down Payment: 20%

$68,000

Interest Rate: 7.00%

Loan Term

Monthly Payment

$1,810

Principal & Interest: $1,810

Est. Taxes & Insurance: $452

Estimated Total Monthly

$2,262

*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$1,810

Property taxesest. at asking price, Duval County$555

HOAbilled annually$33

Estimated total, before insurance$2,398/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	$268,118	$78,572	—

2025 property taxes (current owner): $1,923/yr

Estimated taxes if purchased at asking price: ~$6,700/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 3,908 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: Shingle — year not disclosed (home built 2006)

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

Solar potential: ~1,769 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