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This home is in Jacksonville.

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Active

Active·26 days on market

2295 Lake Drive

Jacksonville, FL 32246

$295,000$176/sqftEst. $1,521/moMLS# 2155101

Beds

Baths

1,672

Sq Ft

1955

Built

Garage

Pool

About this home

Jacksonville

Beautiful home that possesses a ton of potential to the right buyer, featuring accented bricks on the facade nestled in the calming neighborhood of Southside Estates! This 3 bed/2 bath home sits on .34 acres with 1,672 sq ft (buyer to verify) plus an additional 312 sq ft of convertible space, perfect for adding an office, extra bedroom, or more living area to make this home truly your own. This home comes equipped with strong bones and has the potential to be truly stunning with the right vision. Major updates already done, brand new roof (2026), new windows (2021), A/C (2018), and a 360 sq ft drain field installed (2021) on septic. Features an extended garage, heat vacuum system, custom front door with anti-theft features, and a fireplace (non-functional). The yard has enough space to store an RV or boat. This home is being sold AS-IS! Schedule your showing today, (refer to Showing Time for instructions)

Cost to own

Mortgage calculator

Home Price

$295,000

Down Payment: 20%

$59,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,521

Principal & Interest: $1,521

Property taxes (est.): $482

Insurance (est.): $197

Estimated Total Monthly

$2,200

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,521

Property taxesest. at asking price, Duval County$482

Estimated total, before insurance$2,003/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,011/yr · $168/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): $2,011/yr

Estimated taxes if purchased at asking price: ~$5,800/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: material not specified — 2026 per the listing

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

Likely septic · Public water · JEA

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: ~1,227 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

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