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This home is in Mill Creek, Jacksonville.

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Active Under Contract

Active Under Contract·7 days on market·Mill Creek

1372 Tripper Drive

Jacksonville, FL 32211

$355,000$201/sqftEst. $1,827/moMLS# 2157423

Beds

Baths

1,770

Sq Ft

2016

Built

Garage

Pool

About this home

Mill Creek

Welcome home to this beautifully maintained 3-bedroom, 2-bath residence offering the perfect blend of comfort, functionality, and outdoor living. The open-concept floor plan seamlessly connects the spacious living area and kitchen, creating an ideal space for everyday living and entertaining. Step outside to your own backyard retreat featuring an extended paver patio with a cozy outdoor fireplace--perfect for relaxing evenings, weekend cookouts, or gathering with family and friends. The screened lanai overlooks the fully fenced backyard, providing plenty of room to enjoy Florida living. Additional highlights include an extended two-car garage with a durable epoxy-coated floor, a video surveillance system covering the exterior and main living area, and exceptional pride of ownership throughout. Conveniently located near shopping, dining, and major roadways, this move-in ready home offers both convenience and a lifestyle you'll love

Cost to own

Mortgage calculator

Home Price

$355,000

Down Payment: 20%

$71,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,827

Principal & Interest: $1,827

Property taxes (est.): $580

Insurance (est.): $237

Estimated Total Monthly

$2,643

*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$1,827

Property taxesest. at asking price, Duval County$580

HOAbilled semi-annually$108

Estimated total, before insurance$2,515/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,168/yr · $347/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): $4,168/yr

Estimated taxes if purchased at asking price: ~$7,000/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 — year not disclosed (home built 2016)

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

Solar potential: ~1,790 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 August 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