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Active

Active·18 days on market

4176 Emilio Lane

Jacksonville, FL 32226

$350,000$217/sqftEst. $1,805/moMLS# 2156453

Beds

Baths

1,611

Sq Ft

2016

Built

Garage

Pool

About this home

Jacksonville

SHORT SALE - Back on Market! Amazing opportunity in the desirable Cedarbrook community. This distinctive modern home features soaring ceilings, expansive windows, abundant natural light, and durable polished concrete flooring throughout. The open-concept kitchen is designed for entertaining with quartz countertops, a waterfall-edge island, open shelving, and seamless flow into the main living area. Triple sliding glass doors extend the living space to a private backyard patio. Additional highlights include a new HVAC system installed in 2024 and motorized window blinds in all bedrooms and select living areas. A truly unique property with contemporary style and exceptional potential.

Cost to own

Mortgage calculator

Home Price

$350,000

Down Payment: 20%

$70,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,805

Principal & Interest: $1,805

Property taxes (est.): $572

Insurance (est.): $233

Estimated Total Monthly

$2,610

*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$1,805

Property taxesest. at asking price, Duval County$571

HOAbilled annually$32

Estimated total, before insurance$2,409/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,366/yr · $364/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

Year	Market value	Taxable value	Change
2025	$281,213	$225,491	—
2024	$287,188	$232,188	—
2023	$303,456	$303,456	—
2022	$283,223	$103,923	▲ $29,919
2021	$213,636	$99,440	—
2020	$199,594	$97,377	—

2025 property taxes (current owner): $4,366/yr

Estimated taxes if purchased at asking price: ~$6,900/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 (2025), 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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 2016)

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

Solar potential: ~1,762 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$350,000

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

Features

Price$350,000

Price / Sq Ft$217

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,611

Acres0.16 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesNorth

School Information

ElementaryNew Berlin

MiddleOceanway

HighFirst Coast

Community Information

Address4176 Emilio Lane, Jacksonville, FL 32226

Area096-Ft George/Blount Island/Cedar Point

SubdivisionCedarbrook

CityJacksonville

CountyDuval

StateFL

Zip Code32226

Lot Size6,969.6 sq ft

Parcel Number1066020430

Amenities

AmenitiesPark, Playground

UtilitiesCable Available, Electricity Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

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

AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Electric Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringConcrete

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySmoke Detector(s)