This home is in Jacksonville.

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Active·Listed today

2020 Prudential Drive

Jacksonville, FL 32207

$745,255$404/sqftEst. $3,800/moMLS# 2157057

Beds

Baths

1,844

Sq Ft

2026

Built

Garage

Pool

About this home

Jacksonville

LAST CHANCE TO PICK THE INTERIOR DESIGN APPOINTMENTS. The Elder luxury town home under construction on homesite 15 features the first floor bedroom option and the super sized alternate kitchen. From the 630 SF rooftop terrace with Timber tech decking, one can enjoy views down the cul-de-sac to the stadium, to the east toward the river and the Hart bridge, and, to the south, a panorama overlooking a gorgeous tidal creek and heavily wooded preserve. 3 BRs/3.5 BAs, two car garage, One week before our design consultants make the interior selections. Come see me this weekend.

Cost to own

Mortgage calculator

Home Price

$745,255

Down Payment: 20%

$149,051

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,800

Principal & Interest: $3,800

Property taxes (est.): $1,217

Insurance (est.): $497

Estimated Total Monthly

$5,514

*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$3,800

Property taxesest. at asking price, Duval County$1,217

HOAbilled monthly$357

Estimated total, before insurance$5,374/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,052/yr · $504/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): $6,052/yr

Estimated taxes if purchased at asking price: ~$14,600/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.

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: Membrane — year not disclosed (home built 2026)

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

Solar potential: ~1,590 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

Price & status history

Jul 25, 2026Listed$745,255

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

Features

Price$745,255

Price / Sq Ft$404

Bedrooms3

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage1,844

Acres0.03 acres

Year Built2026

TypeResidential

Sub-TypeTownhouse

StyleMid-Century Modern

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Community Information

Address2020 Prudential Drive, Jacksonville, FL 32207

Area011-San Marco

SubdivisionRiversEdge TownHomes

CityJacksonville

CountyDuval

StateFL

Zip Code32207

Lot Size1,306.8 sq ft

Parcel Number0800961310

Amenities

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingGarage

ViewCity, Creek/Stream, Protected Preserve, Trees/Woods

Interior

Interior FeaturesKitchen Island, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Gas Water Heater, Microwave, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater, Washer

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

# of Stories3

LevelsThree Or More

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup