This home is in Jacksonville.

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10927 Great Southern Drive

Jacksonville, FL 32257

$389,900$239/sqftEst. $1,982/moMLS# 2156412

Beds

Baths

1,629

Sq Ft

1984

Built

Garage

Yes

Pool

About this home

Jacksonville

Welcome home to this beautifully updated property that's packed with custom upgrades inside and out! Located in a desirable mandarin neighborhood, the spacious enlarged driveway and attached carport provide plenty of room for vehicles, a boat, or extra storage. Step inside to find stunning wood-look porcelain tile flooring flowing throughout the home, a gorgeous custom fireplace feature wall, stylish accent walls in the bedrooms, and upgraded lighting and ceiling fans that add a modern touch. The kitchen has been thoughtfully renovated with upgraded cabinetry, beautiful countertops, and a designer backsplash, making it both functional and inviting. The bathrooms have also been refreshed with upgraded vanities and sleek LED defog mirrors for a spa-like feel.Large sliding glass doors lead to a screened-in porch overlooking your own backyard retreat. Enjoy relaxing or entertaining around the above-ground pool, surrounded by elegant travertine decking and a custom travertine fireplace.

Cost to own

Mortgage calculator

Home Price

$389,900

Down Payment: 20%

$77,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,982

Principal & Interest: $1,982

Property taxes (est.): $637

Insurance (est.): $260

Estimated Total Monthly

$2,878

*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$1,982

Property taxesest. at asking price, Duval County$637

Estimated total, before insurance$2,618/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): $5,360/yr

Estimated taxes if purchased at asking price: ~$7,600/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 1984)

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: ~1,727 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