This home is in Jacksonville.

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Active

Active·3 days on market

1064 Victoria Hills Court

Jacksonville, FL 32221

$339,000$170/sqftEst. $1,728/moMLS# 2156414

Beds

Baths

1,996

Sq Ft

2022

Built

Garage

Pool

About this home

Jacksonville

Better than new and loaded with upgrades! Why wait months for new construction when you can move right into this beautifully upgraded resale home on an oversized preserve lot? Enjoy the benefits of a completed home with thoughtful enhancements already in place, including a water softener, whole-house water filtration system, upgraded lighting throughout, and a seller-established garden-all valuable features that aren't typically included with a builder's base price. Offering 1,996 square feet of thoughtfully designed living space, this bright and inviting home features 3 bedrooms, 2 bathrooms, plus a versatile flex room that's perfect for a study, home office, playroom, or hobby space. Beautiful tile flooring flows throughout the main living areas, while plush carpeting adds comfort to each bedroom.

Cost to own

Mortgage calculator

Home Price

$339,000

Down Payment: 20%

$67,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,728

Principal & Interest: $1,728

Property taxes (est.): $554

Insurance (est.): $226

Estimated Total Monthly

$2,508

*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$1,728

Property taxesest. at asking price, Duval County$554

HOAbilled annually$36

Estimated total, before insurance$2,318/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,119/yr · $427/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): $5,119/yr

Estimated taxes if purchased at asking price: ~$6,600/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: Shingle — year not disclosed (home built 2022)

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

Solar potential: ~1,737 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 23, 2026Active$339,000
Jul 21, 2026Listed$339,000

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

Features

Price$339,000

Price / Sq Ft$170

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,996

Acres0.18 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryChaffee Trail

MiddleChaffee Trail

HighBaldwin

Community Information

Address1064 Victoria Hills Court, Jacksonville, FL 32221

Area065-Panther Creek/Adams Lake/Duval County-SW

SubdivisionPanther Creek

CityJacksonville

CountyDuval

StateFL

Zip Code32221

Lot Size7,840.8 sq ft

Parcel Number0018605980

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Jogging Path, Maintenance Grounds, Park

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewProtected Preserve

Interior

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

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

SecuritySecurity System Owned