This home is in Sutton Lakes, Jacksonville.

1 / 40

Active

Active·2 days on market·Sutton Lakes

11332 Hendon Drive

Jacksonville, FL 32246

$375,000$208/sqftEst. $1,996/moMLS# 2154774

Beds

Baths

1,807

Sq Ft

1998

Built

Garage

Pool

About this home

Sutton Lakes

Welcome to this spacious 4-bedroom, 2-bathroom home offering 1,807 square feet of comfortable living space in the highly desirable Sutton Lakes community! This well-maintained home features an inviting floor plan, newer appliances, and plenty of room for both everyday living and entertaining. Enjoy peace of mind with major updates already completed, including a new HVAC system (2025), new water heater (2023), and a roof replaced in 2018. Step outside to your private, fully fenced backyard--perfect for pets, play, outdoor gatherings, or simply relaxing in your own space. Sutton Lakes offers outstanding community amenities, including two swimming pools, basketball courts, and playgrounds, providing recreation for all ages. Conveniently located near shopping, dining, top-rated schools, beaches, and major highways, this home combines comfort, convenience, and an exceptional location.

Cost to own

Mortgage calculator

Home Price

$375,000

Down Payment: 20%

$75,000

Interest Rate: 7.00%

Loan Term

Monthly Payment

$1,996

Principal & Interest: $1,996

Est. Taxes & Insurance: $499

Estimated Total Monthly

$2,495

*Estimates based on 30-year loan at 7% APR. Actual payments 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 · 7.0% · 30yr$1,996

Property taxesest. at asking price, Duval County$612

HOAbilled annually$33

Estimated total, before insurance$2,641/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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

2025 property taxes (current owner): $6,211/yr

Estimated taxes if purchased at asking price: ~$7,300/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, 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 — 2018 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,704 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History