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Active Under Contract

Active Under Contract·14 days on market

5528 Edmar Road

Jacksonville, FL 32277

$275,000$130/sqftEst. $1,418/moMLS# 2156197

Beds

Baths

2,114

Sq Ft

1961

Built

Garage

Pool

About this home

Jacksonville

Brick front, 4BR/3BA home in University Park, just steps from Blue Cypress Park! Built in 1961, this 2,114 SF home features a split-bedroom floor plan with two bedrooms offering attached baths plus a 3rd hall bath. 50'' smart tv in step down bedroom stays! Original wood floors add warmth and character, while the oversized step-down family room provides plenty of space to gather. The updated kitchen offers abundant counter space, and you'll appreciate the generous closet space throughout. Outside, enjoy a fully fenced backyard with seating areas, fire pit and green space. A double garage and extra parking offer room for multiple vehicles, boat or RV. New HVAC and 50-gallon water heater in 2025. Blue Cypress Park features a 12 hole public golf course, a riverfront boardwalk, playground, sports fields, fishing and kayak launch all just a short walk away. Lions Club boat launch just .3 miles down the road.

Cost to own

Mortgage calculator

Home Price

$275,000

Down Payment: 20%

$55,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,418

Principal & Interest: $1,418

Property taxes (est.): $449

Insurance (est.): $183

Estimated Total Monthly

$2,050

*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$1,418

Property taxesest. at asking price, Duval County$449

Estimated total, before insurance$1,867/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,125/yr · $177/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): $2,125/yr

Estimated taxes if purchased at asking price: ~$5,400/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, 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: material not specified — year not disclosed (home built 1961)

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: ~1,697 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

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