This home is in Jacksonville.

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Pending

Pending·22 days on market

7634 Commander Lane

Jacksonville, FL 32256

$293,027$188/sqftEst. $1,494/moMLS# 2153821

Beds

Baths

1,557

Sq Ft

2026

Built

Garage

Pool

About this home

Jacksonville

Welcome to the CHAPMAN townhome, a charming 4-bedroom, 2.5-bath home designed for comfortable everyday living. The inviting kitchen features quartz countertops, 42-inch white cabinets, and a functional layout overlooking the spacious great room, creating an easy flow for gathering and entertaining. Tile flooring adds style and durability throughout the main living areas. Upstairs, the private primary suite offers a relaxing retreat, with THREE additional bedrooms nearby for convenience. A 1-car garage provides parking and extra storage. This well-designed townhome offers a great blend of comfort, function, and low-maintenance living. Photos are representative of the CHAPMAN floor plan.

Cost to own

Mortgage calculator

Home Price

$293,027

Down Payment: 20%

$58,605

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,494

Principal & Interest: $1,494

Property taxes (est.): $479

Insurance (est.): $195

Estimated Total Monthly

$2,168

*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$1,494

Property taxesest. at asking price, Duval County$478

HOAbilled monthly$124

Estimated total, before insurance$2,097/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~1,506 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

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.