This home is in Jacksonville.

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Active

Active·21 days on market

7611 McCowan Drive

Jacksonville, FL 32244

$194,000$162/sqftEst. $989/moMLS# 2154067

Beds

Baths

1,196

Sq Ft

1979

Built

—

Garage

Pool

About this home

Jacksonville

MOTIVATED SELLER! TURNKEY, ALL NEW! QUALIFIES for FHA, VA, & CONVENTIONAL FINANCING, making it a perfect starter home or rental income generating option.This fully updated 3BR/2BA property offers a fresh, clean interior with plenty of room to spread out. Key Features: Spacious Layout: Large living room, separate dining, and a family room with a wood-burning fireplace. Fresh Interior: New wood-look vinyl plank flooring, new lighting, and ceiling fans throughout. Updated Kitchen: All-new cabinetry, quartz countertops with a breakfast bar, and new stainless steel appliances. Major Upgrades: Peace of mind with a brand-new roof and HVAC system. Outdoor Living: Primary bedroom has private sliders to the deck/patio. Includes a new privacy fence and a 1-car carport. Enjoy a clean, functional, and completely renovated space at an unbeatable price point. Schedule your tour today!

Cost to own

Mortgage calculator

Home Price

$194,000

Down Payment: 20%

$38,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$989

Principal & Interest: $989

Property taxes (est.): $317

Insurance (est.): $129

Estimated Total Monthly

$1,435

*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$989

Property taxesest. at asking price, Duval County$317

Estimated total, before insurance$1,306/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$121,739	$121,739	—
2024	$115,467	$115,467	▲ $2,697
2023	$112,039	$0	▲ $12,000
2022	$93,735	$0	▼ $9,830
2021	$89,534	$0	—
2020	$86,113	$0	—

Estimated taxes if purchased at asking price: ~$3,800/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 1979)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,585 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