This home is in Jacksonville.

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Active·1 day on market

10075 Gate Parkway N 305

Jacksonville, FL 32246

$190,000$136/sqftEst. $966/moMLS# 2156353

Beds

Baths

1,397

Sq Ft

2001

Built

—

Garage

Pool

About this home

Jacksonville

OPEN HOUSE - 7/25, SAT, 11a - 1p - LOCATION, LOCATION, LOCATION - Welcome home to this 3-bedroom, 2-bath condominium in the highly desirable gated Mirabella community! Ideally located just minutes from St. Johns Town Center, you'll enjoy easy access to premier shopping, dining, entertainment, and major employers, making this an exceptional location for a young professional, first-time homebuyer, or a student attending the University of North Florida. Freshly painted with brand-new carpet throughout, this move-in-ready home offers an inviting open-concept floor plan designed for comfortable everyday living. The kitchen features a breakfast bar overlooking the spacious living and dining areas, making it perfect for entertaining. A separate dining space provides additional flexibility, while a dedicated nook off the living room creates the ideal spot for a home office, study area, or homework station. The split-bedroom layout offers privacy, with the spacious primary suite

Cost to own

Mortgage calculator

Home Price

$190,000

Down Payment: 20%

$38,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$966

Principal & Interest: $966

Property taxes (est.): $310

Insurance (est.): $127

Estimated Total Monthly

$1,403

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$966

Property taxesest. at asking price, Duval County$310

HOAbilled monthly$558

Estimated total, before insurance$1,834/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): $813/yr

Estimated taxes if purchased at asking price: ~$3,700/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 2001)

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

Likely sewer

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,761 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