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Active

Active·5 days on market

9639 Bembridge Mill Drive

Jacksonville, FL 32244

$319,900$199/sqftEst. $1,631/moMLS# 2156410

Beds

Baths

1,605

Sq Ft

2013

Built

Garage

Pool

About this home

Jacksonville

Move in ready 3 Bedroom 2 Bath on large corner lot. Modern design and style accommodates any taste. Fenced backyard Oasis includes 10' x 16' Cedar Patio Cover. Playground equipment also conveys. Covered front entrance opens to welcoming Foyer with adjoining Den/Office & Formal Dining Room. Foyer hall leads to large Family Room. Eat in Kitchen features all appliances and a Breakfast Bar overlooking Family Room with French Doors leading to the covered Patio and large back yard. Faux Fireplace with heater. Split Bedrooms offer comfort and privacy. Ensuite owner's Bedroom has enlarged Shower, enclosed toilet and HUGE walk-in closet. Quality LVP flooring throughout makes maintenance a breeze. HOA amenities include Two (2) pools, Tennis Courts, Basketball Courts, Playground, and Amenities Center. All without CDD Fee! . Make this beautiful home yours...today.

Cost to own

Mortgage calculator

Home Price

$319,900

Down Payment: 20%

$63,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,631

Principal & Interest: $1,631

Property taxes (est.): $522

Insurance (est.): $213

Estimated Total Monthly

$2,367

*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$1,631

Property taxesest. at asking price, Duval County$522

HOAbilled annually$50

Estimated total, before insurance$2,203/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,042/yr · $337/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): $4,042/yr

Estimated taxes if purchased at asking price: ~$6,300/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: Shingle — year not disclosed (home built 2013)

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: ~1,724 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

Price & status history

Jul 21, 2026Listed$319,900

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

Features

Price$319,900

Price / Sq Ft$199

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,605

Total Structure Area2,060 sq ft

Acres0.19 acres

Year Built2013

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesWest

School Information

ElementaryEnterprise

MiddleWestside

HighWestside High School

Community Information

Address9639 Bembridge Mill Drive, Jacksonville, FL 32244

Area067-Collins Rd/Argyle/Oakleaf Plantation (Duval)

SubdivisionWatermill

CityJacksonville

CountyDuval

StateFL

Zip Code32244

Lot Size8,276.4 sq ft

Lot Dimensions140x60x124x60

Parcel Number0164310270

ZoningResidential

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Jogging Path, Park, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

# of Stories1

LevelsOne

LaundryLower Level

SecuritySmoke Detector(s)