Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Georgetown Townhomes, Jacksonville — a gated community home in Jacksonville.

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Active

Active·Listed today·Georgetown Townhomes

4460 Congressional Drive

Jacksonville, FL 32246

$325,000$152/sqftEst. $1,673/moMLS# 2156769

Beds

Baths

2,142

Sq Ft

2007

Built

Garage

Pool

About this home

Georgetown Townhomes

Imagine ending your day on a private balcony as the Florida sky turns gold, the fireplace glowing behind you. Mornings start with coffee at the breakfast bar, sunlight pouring across hardwood floors and gleaming granite. When the weekend calls, the resort-style pool and clubhouse seconds away and the shops, dining, and energy of St. Johns Town Center are just minutes down the road. This is Georgetown Townhomes: low-maintenance living in the heart of Jacksonville's Southside, where everything you love is close by. Come see what life here feels like.

Cost to own

Mortgage calculator

Home Price

$325,000

Down Payment: 20%

$65,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,673

Principal & Interest: $1,673

Property taxes (est.): $531

Insurance (est.): $217

Estimated Total Monthly

$2,420

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,673

Property taxesest. at asking price, Duval County$531

HOAbilled monthly$436

Estimated total, before insurance$2,639/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 2007)

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

Solar potential: ~1,666 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