This home is in Jacksonville.

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Active

Active·4 days on market

9648 Bembridge Mill Drive

Jacksonville, FL 32244

$500,000$156/sqftEst. $2,549/moMLS# 2156588

Beds

Baths

3,210

Sq Ft

2007

Built

Garage

Yes

Pool

About this home

Jacksonville

STUNNING POOL HOME! Welcome to this meticulously maintained, one-owner owned home offering exceptional indoor & outdoor living! The backyard is a true oasis featuring a 13K+ gallon heated saltwater in-ground pool ('21), a large covered patio, a paved cool deck & custom fire pit area, pool bar, plant bed garden, potting station & still room for more to make your own--all within a large fenced private preserve-view backyard (backyard goes beyond fenceline!) Home is perfect for multi-generational living w/ a downstairs private suite addition ('14), PLUS a dedicated office, formal dining room, family room, theater room/loft & spacious bedrooms. Excellent curb appeal. Gorgeous front & back porches! Roof '23. LOCATION LOCATION! Just a bike ride to Oakleaf Towncenter restaurants & shops, library & Epic Theater. Community offers exceptional amenities. Close to NAS Jax & easy highway access. No CDD fees! Too much to mention here. Come see for yourself! You won't be disappointed!

Cost to own

Mortgage calculator

Home Price

$500,000

Down Payment: 20%

$100,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,549

Principal & Interest: $2,549

Property taxes (est.): $816

Insurance (est.): $333

Estimated Total Monthly

$3,699

*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$2,549

Property taxesest. at asking price, Duval County$816

HOAbilled annually$50

Estimated total, before insurance$3,416/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,997/yr · $333/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): $3,997/yr

Estimated taxes if purchased at asking price: ~$9,800/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 2007)

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: ~1,773 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 22, 2026Listed$500,000

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

Features

Price$500,000

Price / Sq Ft$156

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage3,210

Acres0.28 acres

Year Built2007

TypeResidential

Sub-TypeSingle Family Residence

StyleMulti Generational

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Fenced, Heated, Pool Cover, Pool Sweep, Salt Water

Is WaterfrontNo

Direction FacesSoutheast

Community Information

Address9648 Bembridge Mill Drive, Jacksonville, FL 32244

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

SubdivisionWatermill

CityJacksonville

CountyDuval

StateFL

Zip Code32244

Lot Size12,196.8 sq ft

Parcel Number0164310305

ZoningResidential

Amenities

AmenitiesPool, Other, Barbecue, Basketball Court, Children's Pool, Clubhouse, Pickleball, Playground, Tennis Court(s)

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), Entrance Foyer, Guest Suite, In-Law Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

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

HeatingCentral, Electric

CoolingCentral Air, Electric, Split System

FlooringCarpet, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

SecuritySmoke Detector(s)