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.

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Active

Active·23 days on market

4611 Westfield Road

Jacksonville, FL 32210

$375,000$207/sqftEst. $1,934/moMLS# 2155597

Beds

Baths

1,812

Sq Ft

1953

Built

—

Garage

Pool

About this home

Jacksonville

Some homes simply have a soul--and this 1953 Ortega beauty is one of them. Rich with character and timeless craftsmanship, you'll fall in love with the original hardwood floors, inviting spaces, and the warmth that only a well-loved home can offer. Best of all, many of the major updates have already been completed, giving you peace of mind while preserving the home's historic charm. 3 bedrooms, 2 bathrooms, a dedicated home office that could be a 4th bedroom. Additional living area perfect for gathering with family, a cozy reading room, or even a playroom! -Roof is about 6 years old. -Plumbing updated within last 3 years. -Jacuzzi shower in primary less than 2 years old. -Blown-in insulation. -Original hardwood floors that add warmth and timeless beauty throughout. If you've been searching for a home with charm and a neighborhood that feels like home, this Ortega beauty may be exactly what you're looking for!

Cost to own

Mortgage calculator

Home Price

$375,000

Down Payment: 20%

$75,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,934

Principal & Interest: $1,934

Property taxes (est.): $612

Insurance (est.): $250

Estimated Total Monthly

$2,796

*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$1,934

Property taxesest. at asking price, Duval County$612

Estimated total, before insurance$2,546/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,394/yr · $116/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): $1,394/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.

Hurricane evacuation zone C

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

Roof: material not specified — year not disclosed (home built 1953)

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

Likely septic · 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: ~1,116 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