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This home is in Jacksonville.

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Active

Active·23 days on market

8520 Moss Pointe Trl Trail N

Jacksonville, FL 32244

$249,900$211/sqftEst. $1,289/moMLS# 2155757

Beds

Baths

1,185

Sq Ft

1989

Built

Garage

Pool

About this home

Jacksonville

Welcome to this inviting 3-bedroom, 2-bathroom home located in the desirable Chimney Lakes neighborhood. This home features a seamless open floor plan that beautifully connects the main living spaces. The cozy living room serves as the heart of the home, highlighted by a charming fireplace. Overlooking the living area is the updated kitchen, which boasts durable granite countertops and sleek stainless-steel appliances, creating a perfect and highly functional space for cooking and entertaining. Step outside to enjoy the privacy of a fully fenced-in backyard, offering a great outdoor retreat for relaxation or hosting guests. Conveniently situated, this property is located just minutes away from local schools and shopping centers, while also offering an easy commute to NAS.

Cost to own

Mortgage calculator

Home Price

$249,900

Down Payment: 20%

$49,980

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,289

Principal & Interest: $1,289

Property taxes (est.): $408

Insurance (est.): $167

Estimated Total Monthly

$1,863

*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$1,289

Property taxesest. at asking price, Duval County$408

HOAbilled quarterly$38

Estimated total, before insurance$1,735/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.

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: Other — year not disclosed (home built 1989)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,466 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