This home is in Jacksonville.

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Pending

Pending·3 days on market

7005 Old Middleburg Road S

Jacksonville, FL 32222

$309,900$200/sqftEst. $1,580/moMLS# 2157032

Beds

Baths

1,547

Sq Ft

2026

Built

Garage

Pool

About this home

Jacksonville

Beautiful New 3-Bedroom, 2.5-Bath Home finishing up on the Westside! This home features REVWOOD flooring in living area, with carpet in the bedrooms. The modern kitchen is outfitted with white cabinets, granite countertops, and a full stainless steel kitchen appliance package. You'll also get a 1-year builder warranty and termite bond for added peace of mind. Home is equipped with a performance based engineered septic system, ensuring efficiency and reliability; city required yrly maintenance fee. Staged photos are an example: colors, finishes, flooring vary.

Cost to own

Mortgage calculator

Home Price

$309,900

Down Payment: 20%

$61,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,580

Principal & Interest: $1,580

Property taxes (est.): $506

Insurance (est.): $207

Estimated Total Monthly

$2,293

*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$1,580

Property taxesest. at asking price, Duval County$506

Estimated total, before insurance$2,086/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.

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 2026)

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

Likely septic

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,065 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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