This home is in Georgetown Townhomes, Jacksonville.

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Active

Active·15 days on market·Georgetown Townhomes

4372 Ellipse Drive

Jacksonville, FL 32246

$339,900$160/sqftEst. $1,733/moMLS# 2154946

Beds

Baths

2,121

Sq Ft

2009

Built

Garage

Pool

About this home

Georgetown Townhomes

Welcome to 4372 Ellipse Drive, a beautifully three-bedroom, three-and-a-half-bathroom townhome nestled in the highly desirable Georgetown neighborhood--a walkable community right in the heart of St. Johns Town Center, Surrounded by premier shopping, dining, and entertainment, this location offers the ultimate in convenience and lifestyle. Enjoy tranquil water views from multiple levels of this spacious home, featuring an open-concept layout and a dedicated office space perfect for working from home. The first floor offers a private bedroom with a full en-suite bath and access to a peaceful waterfront patio. On the second floor, you'll find a bright living and dining area, a fully updated kitchen with stainless steel appliances, and a large balcony overlooking the water--perfect for relaxing or entertaining.The third floor includes two generously sized bedrooms, each with their own private bathrooms. Residents enjoy access to resort-style amenities including a swimming pool and a gym

Cost to own

Mortgage calculator

Home Price

$339,900

Down Payment: 20%

$67,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,733

Principal & Interest: $1,733

Property taxes (est.): $555

Insurance (est.): $227

Estimated Total Monthly

$2,515

*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$1,733

Property taxesest. at asking price, Duval County$555

HOAbilled monthly$436

Estimated total, before insurance$2,724/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,520/yr · $460/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

2025 property taxes (current owner): $5,520/yr

Estimated taxes if purchased at asking price: ~$6,700/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, 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 2009)

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

Likely septic

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,697 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 11, 2026Price change$339,900−$25,100
Jul 11, 2026Listed$365,000

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

Features

Price$339,900

Price / Sq Ft$160

Bedrooms3

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,121

Acres0.06 acres

Year Built2009

TypeResidential

Sub-TypeTownhouse

Property ConditionUpdated/Remodeled

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontYes

Community Information

Address4372 Ellipse Drive, Jacksonville, FL 32246

Area023-Southside-East Of Southside Blvd

SubdivisionGeorgetown Townhomes

CityJacksonville

CountyDuval

StateFL

Zip Code32246

Lot Size2,613.6 sq ft

Parcel Number1677274410

Amenities

AmenitiesPool, Fitness Center, Gated

UtilitiesCable Available, Electricity Available, Sewer Available

Water SourcePublic

ParkingAttached, Garage, Guest, On Street

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Range, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Vinyl

# of Stories3

LevelsMulti/Split, Three Or More

LaundryIn Unit

SecuritySmoke Detector(s)