This home is in Jacksonville.
Active·51 days on market
9888 Lovage Lane
Jacksonville, FL 32219
About this home
Jacksonville
Open House July 12th 11am-3pm! Own $63,000 in paid-off upgrades: Solar System, Spa-worthy bathroom, & fully fenced backyard, on day one. No solar payment. No to-do list. Just move in & live better. This 4/3 home blends modern comfort with sustainable living. Designed with energy efficiency in mind, its state-of-the-art solar panel system dramatically reduces utility costs while providing clean, renewable power year-round. Inside, you'll find an open-concept layout with a spacious living area, gourmet kitchen featuring quartz countertops & stainless steel appliances, & a bright dining space perfect for entertaining. The primary suite offers a relaxing retreat with a spa-style bathroom & walk-in closet. Outside, enjoy a beautifully landscaped yard, covered patio, & plenty of room for outdoor living--all powered by the home's solar energy system. With eco-friendly design, smart tech, & luxurious finishes, this property is an exceptional opportunity to live sustainably without compromise.
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 (that applies to the reference bill above too).
Cost to own
Taxes & assessment
Last sold: $357,000 in May 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $307,202 | $256,480 | ▲ $7,428 |
| 2024 | $300,298 | $250,298 | — |
| 2023 | $55,000 | $54,999 | ▲ $5,000 |
2025 property taxes (current owner): $5,097/yr
Estimated taxes if purchased at asking price: ~$7,700/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: Shingle — year not disclosed (home built 2023)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,594 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 6, 2026Listed$391,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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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