This home is in Jacksonville.

1 / 13

Active

Active·Listed today

2429 Cedar Trace Drive W 1

Jacksonville, FL 32246

$499,000$238/sqftEst. $2,536/moMLS# 2156177

Beds

Baths

2,100

Sq Ft

2003

Built

Garage

Pool

About this home

Jacksonville

Well-maintained home in a quiet, established Jacksonville neighborhood. Features a spacious layout with abundant natural light, generously sized bedrooms, and a functional kitchen with ample cabinet space. Open living area ideal for entertaining. Large yard offers great potential for outdoor enjoyment. Conveniently located near shopping, dining, schools, and major roadways. Great opportunity for homeowners or investors alike.

Cost to own

Mortgage calculator

Home Price

$499,000

Down Payment: 20%

$99,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,536

Principal & Interest: $2,536

Est. Taxes & Insurance: $634

Estimated Total Monthly

$3,170

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 6.55% · 30yr$2,536

Property taxesest. at asking price, Duval County$815

HOAbilled monthly$35

Estimated total, before insurance$3,386/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $6,926/yr

Estimated taxes if purchased at asking price: ~$9,800/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2003)

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

Solar potential: ~1,798 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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

Price & status history

Jul 20, 2026Listed$499,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$499,000

Price / Sq Ft$238

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,100

Total Structure Area2,794 sq ft

Acres7701.00 acres

Year Built2003

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryKernan Trail

MiddleKernan

HighSandalwood

Community Information

Address2429 Cedar Trace Drive W 1, Jacksonville, FL 32246

Area023-Southside-East Of Southside Blvd

SubdivisionWindsor Chase

CityJacksonville

CountyDuval

StateFL

Zip Code32246

Lot Size335,455,560 sq ft

Parcel Number1652868590

ZoningPUD

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Available

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Oven, Electric Water Heater, Freezer, Microwave, Refrigerator, Washer, Washer/Dryer Stacked

HeatingHeat Pump

CoolingCentral Air

FlooringLaminate

FireplaceYes

Fireplace FeaturesElectric

# of Stories1

LevelsOne

LaundryIn Garage

Window FeaturesSkylight(s)

SecurityCarbon Monoxide Detector(s), Fire Alarm, Smoke Detector(s)