This home is in Jacksonville.
Active·22 days on market
7038 Saint Ives Court
Jacksonville, FL 32244
About this home
Jacksonville
Beautiful and well-maintained 3-bedroom, 2.5-bath townhouse. This spacious home features a functional open-concept layout with an upstairs loft, providing the perfect flex space for a home office, media room, play area, or additional living room. Enjoy the peace of mind of a brand-new roof (2026) and brand-new luxury vinyl flooring throughout the second floor. The kitchen is equipped with approximately one-year old appliances and granite countertops. The Washer and Dryer are Included with the sale. The inviting living room features a NEW electric fireplace, adding warmth and a modern touch to the living space. Step outside to your private fenced patio. Additional features include a one-car garage and ample storage throughout. The HOA provides exceptional value by covering exterior building maintenance, exterior painting, roof replacement, and common area maintenance, allowing for a truly low-maintenance lifestyle. No CDD fees.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
Cost to own
Taxes & assessment
Last sold: $130,000 in August 2024(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $198,939 | $198,939 | — |
| 2024 | $185,626 | $25,000 | ▲ $10,038 |
| 2023 | $165,917 | $25,000 | — |
| 2022 | $159,698 | $25,000 | — |
| 2021 | $129,903 | $25,000 | ▼ $2,732 |
| 2020 | $114,235 | $25,000 | — |
Estimated taxes if purchased at asking price: ~$4,700/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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: material not specified — 2026 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,746 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 homeAs 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
Price & status history
- Jul 22, 2026Price change$238,000−$2,000
- Jul 3, 2026Listed$240,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: MAMBA REALTY, LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines
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