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Active

Active·25 days on market

7939 Melvin Road

Jacksonville, FL 32210

$172,990$118/sqftEst. $882/moMLS# 2154266

Beds

Baths

1,464

Sq Ft

2005

Built

Garage

Pool

About this home

Jacksonville

AFFORDABLE RESORT-STYLE LIVING NEAR I-295! Move-in ready 3 BR, 2.5 BA end-unit townhome in a cul-de-sac in desirable Timothy's Landing. Priced to sell at $172,990, this gem offers major peace of mind with extensive new updates. BIG UPGRADES: New roof, new A/C system, new water heater, new downstairs flooring, new upstairs carpet, plus a brand-new stove and refrigerator! MAIN LEVEL: Bright, open layout blends the kitchen, dining, and living areas for effortless entertaining. Kitchen features a functional breakfast bar and all-new appliances. UPSTAIRS: Private retreat with 3 spacious bedrooms, including a primary suite with an en-suite bath. EXTERIOR & AMENITIES: 1-car attached garage and low HOA fees granting access to a resort-style community pool and playground. PRIME LOCATION: Minutes from I-295, NAS Jacksonville, shopping, and dining. Perfect for first-time buyers or savvy investors looking for a turnkey Westside gem. Schedule your private showing today before it is gone!

Cost to own

Mortgage calculator

Home Price

$172,990

Down Payment: 20%

$34,598

Interest Rate: 6.58%

Loan Term

Monthly Payment

$882

Principal & Interest: $882

Property taxes (est.): $283

Insurance (est.): $115

Estimated Total Monthly

$1,280

*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$882

Property taxesest. at asking price, Duval County$282

HOAbilled quarterly$192

Estimated total, before insurance$1,356/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,149/yr · $262/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Last sold: $168,000 in February 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2024	$153,844	$153,844	—
2023	$160,458	$160,458	—
2022	$145,439	$117,603	—
2021	$106,912	$106,912	—
2020	$98,606	$98,606	—

2025 property taxes (current owner): $3,149/yr

Estimated taxes if purchased at asking price: ~$3,400/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 (2024), 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 2005)

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).

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