This home is in Jacksonville.

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1004 Defender Court W 1004

Jacksonville, FL 32233

$199,000$192/sqftEst. $1,015/moMLS# 2156701

Beds

Baths

1,035

Sq Ft

1988

Built

—

Garage

Pool

About this home

Jacksonville

Close to the Navel Base and to Restaurants and the Beach. This condo is just a short walk to the mail box and the pool. Courtyard is yours to decorate with flowers and furniture. Vaulted ceilings and skylights make the living area a bright cheerful place to spend time. The kitchen is tastefully renovated. The owner can choose the suite downstairs or the suite upstairs. Room for an office or game room in the loft area. Eveything you need to live life at the Beach!

Cost to own

Mortgage calculator

Home Price

$199,000

Down Payment: 20%

$39,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,015

Principal & Interest: $1,015

Property taxes (est.): $325

Insurance (est.): $133

Estimated Total Monthly

$1,472

*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$1,015

Property taxesest. at asking price, Duval County$325

HOAbilled monthly$463

Estimated total, before insurance$1,803/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1988)

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

Solar potential: ~1,708 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

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