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 Jacksonville — a pool home in Jacksonville.

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Active

Active·14 days on market

11032 S Royal County Drive

Jacksonville, FL 32221

$530,000$189/sqftEst. $2,733/moMLS# 2156890

Beds

Baths

2,803

Sq Ft

2004

Built

Garage

Yes

Pool

About this home

Jacksonville

Welcome to your own private retreat, where space, comfort, and Florida living come together in perfect harmony. This beautifully designed 5-bedroom, 4-bath home features an open-concept floor plan with soaring ceilings, abundant natural light, and a blend of tile and carpet flooring. The spacious kitchen offers generous counter space and flows effortlessly into the living room, prewired for surround sound. The owner's suite is a peaceful escape with direct access to the pool, dual walk-in closets, and a spa-inspired bath featuring a soaking tub and an updated walk-in shower. Upstairs, a spacious bonus room with a full bath offers endless possibilities as a guest suite, media room, home office, or second primary suite. Step outside to your fully fenced backyard overlooking the preserve, where a sparkling pool, new pool pump, and outdoor sound system create the ideal setting for relaxing or entertaining. Recent updates, including a new roof (2023) and new water heater (2025).

Cost to own

Mortgage calculator

Home Price

$530,000

Down Payment: 20%

$106,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,733

Principal & Interest: $2,733

Property taxes (est.): $865

Insurance (est.): $353

Estimated Total Monthly

$3,952

*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$2,733

Property taxesest. at asking price, Duval County$865

HOAbilled annually$35

Estimated total, before insurance$3,634/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,109/yr · $592/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): $7,109/yr

Estimated taxes if purchased at asking price: ~$10,400/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: material not specified — 2023 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,643 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