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 pool home in Jacksonville.

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Pending

Pending·23 days on market

10131 Chalker Drive

Jacksonville, FL 32225

$85,000$70/sqftEst. $437/moMLS# 2155182

Beds

Baths

1,219

Sq Ft

1983

Built

Garage

Yes

Pool

About this home

Jacksonville

Priced below its assessed value, this property offers exceptional potential in a rapidly redeveloping area. The home includes a private pool, a newer roof, and secure fencing. Its location provides the best of both worlds--just a short drive to the beach while still offering quick access to I-295 and the airport. The fenced backyard features a covered patio and a productive lemon tree, creating a great space for outdoor living. The solidly built, double-bay garage--properly permitted and legally non-conforming--is ideal for backyard mechanics, artisans, or anyone needing substantial workshop space. The manufactured home is currently livable but will require repairs or full replacement, making this an excellent opportunity for investors or buyers looking to customize. Please have your highest and best offer by August 16, 2026.

Cost to own

Mortgage calculator

Home Price

$85,000

Down Payment: 20%

$17,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$437

Principal & Interest: $437

Property taxes (est.): $139

Insurance (est.): $57

Estimated Total Monthly

$632

*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$437

Property taxesest. at asking price, Duval County$139

Estimated total, before insurance$575/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$833/yr · $69/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): $833/yr

Estimated taxes if purchased at asking price: ~$1,700/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 1983)

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

Likely septic · Private well (public 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: ~1,468 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