Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville — a home near Sandalwood High School.

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Pending

Pending·47 days on market

1640 Troy Lynn Trail

Jacksonville, FL 32225

$445,000$243/sqftEst. $2,285/moMLS# 2154605

Beds

Baths

1,828

Sq Ft

1991

Built

Garage

Pool

About this home

Jacksonville

UPDATED! Move-in ready. Situated on an oversized corner lot in a cul-de-sac and features professionally renovated bathrooms with marble tile and solid oak vanities, custom closet systems in every bedroom, fresh interior paint, Level 5 ceilings with all popcorn removed, and hard-surface flooring throughout. Major improvements: HVAC system with all new ductwork and an added return in the primary bedroom for enhanced comfort, new refrigerator and oven, new sliding glass door, huge extended paver driveway and entryway, all new irrigation and sod, and a water softener installed in 26. Enjoy outdoor living on the screened lanai and extended paver patio. Eligible buyers may also assume the seller's VA loan, 2.625% interest rate, subject to lender approval / VA eligibility. These renovations were completed for the owners long-term enjoyment--not for resale. They are moving for additional bedrooms, giving you the opportunity to enjoy all of these beautiful, high-quality upgrades.

Cost to own

Mortgage calculator

Home Price

$445,000

Down Payment: 20%

$89,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,285

Principal & Interest: $2,285

Property taxes (est.): $727

Insurance (est.): $297

Estimated Total Monthly

$3,309

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,285

Property taxesest. at asking price, Duval County$727

HOAbilled annually$6

Estimated total, before insurance$3,018/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,854/yr · $404/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

Year	Market value	Taxable value	Change
2024	$312,342	$61,826	—
2023	$280,675	$230,675	—
2022	$248,274	$248,274	▲ $12,625
2021	$202,878	$202,878	—
2020	$198,127	$198,127	▲ $11,845

2025 property taxes (current owner): $4,854/yr

Estimated taxes if purchased at asking price: ~$8,700/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 (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 1991)

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: ~1,786 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

Price & status history

Jul 13, 2026Pending$445,000
Jul 9, 2026Listed$445,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$445,000

Price / Sq Ft$243

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,828

Acres0.25 acres

Year Built1991

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesEast

School Information

ElementarySabal Palm

MiddleLandmark

HighSandalwood

Community Information

Address1640 Troy Lynn Trail, Jacksonville, FL 32225

Area043-Intracoastal West-North Of Atlantic Blvd

SubdivisionMt Pleasant Creek

CityJacksonville

CountyDuval

StateFL

Zip Code32225

Lot Size10,890 sq ft

Parcel Number1621120445

ZoningResidential

Amenities

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDisposal, Electric Oven, Electric Water Heater, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Water Heater, Microwave, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringTile

FireplaceYes

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup