This home is in Jacksonville.

Active Under Contract

Active Under Contract·1 day on market

4504 Peachtree Circle E

Jacksonville, FL 32207

$459,900$244/sqftEst. $2,448/moMLS# 2155038

Beds

Baths

1,888

Sq Ft

1948

Built

Garage

Pool

About this home

Jacksonville

A new roof, new septic, new HVAC, and a beautifully renovated bath mean the highest-ticket items are already handled --no wondering what surprises the first year of ownership holds. The kitchen has been updated in a clean style. The baths are finished. The Zen Garden with a hot tub surrounded by natural bamboo is your private space to unwind. The pergola-covered barbecue area out back round out a property that has been genuinely cared for. And then there's the garage. Six bays with the possibility of converting any of that space to add living space -- a setup that takes years to find and even longer to replicate. On a corner lot with mature oak trees and a private backyard, this is the kind of property that doesn't sit long in this neighborhood.

Cost to own

Mortgage calculator

Home Price

$459,900

Down Payment: 20%

$91,980

Interest Rate: 7.00%

Loan Term

Monthly Payment

$2,448

Principal & Interest: $2,448

Est. Taxes & Insurance: $612

Estimated Total Monthly

$3,060

*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$2,448

Property taxesest. at asking price, Duval County$751

Estimated total, before insurance$3,199/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): $5,189/yr

Estimated taxes if purchased at asking price: ~$9,000/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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: material not specified — year not disclosed (home built 1948)

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

Septic system (public record) · Public water (record)

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: ~1,188 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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