This home is in Jacksonville.

1 / 47

Active

Active·9 days on market

4639 Tanbark Road

Jacksonville, FL 32210

$529,900$266/sqftEst. $2,702/moMLS# 2155605

Beds

Baths

1,990

Sq Ft

1952

Built

—

Garage

Pool

About this home

Jacksonville

Beautifully renovated ORTEGA FOREST GEM!! Welcome to your fully renovated 3-bedroom, 2.5-bath sanctuary featuring a pristine kitchen that will be perfect for all your family feasts. Your new kitchen showcases white shaker cabinetry, quartz countertops, and stainless-steel appliances that you'll be proud to show off to family and friends. The primary bedroom with its beautiful private bath provides the perfect space to relax and unwind. A spacious office/flex room on the opposite side of the house gives you the flexibility to work from home and two additional bedrooms and a convenient half bath add extra functionality for visitors and provide ample space for family or guests. This home is updated from top to bottom with a new roof, new HVAC, new septic system, new flooring, updated bathrooms, upgraded fixtures, and neutral finishes throughout. All custom built for you to create those magical moments at a place you call home!

Cost to own

Mortgage calculator

Home Price

$529,900

Down Payment: 20%

$105,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,702

Principal & Interest: $2,702

Property taxes (est.): $865

Insurance (est.): $353

Estimated Total Monthly

$3,920

*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$2,702

Property taxesest. at asking price, Duval County$865

Estimated total, before insurance$3,567/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,603/yr · $134/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

Year	Market value	Taxable value	Change
2025	$255,096	$59,537	—
2024	$254,446	$57,152	—
2023	$250,621	$54,032	—
2022	$245,342	$51,002	—
2021	$186,814	$48,061	—
2020	$165,702	$38,884	▲ $6,000

2025 property taxes (current owner): $1,603/yr

Estimated taxes if purchased at asking price: ~$10,400/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 (2025), 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: Shingle — year not disclosed (home built 1952)

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: ~1,479 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