This home is in Bartram Creek, Jacksonville.

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Active

Active·Listed today·Bartram Creek

15042 Durbin Cove Way

Jacksonville, FL 32259

$425,000$213/sqftEst. $2,167/moMLS# 2157426

Beds

Baths

1,997

Sq Ft

2015

Built

Garage

Pool

About this home

Bartram Creek

Short Sale. Tucked into the sought-after Bartram Creek community, 15042 Durbin Cove Way offers 1,997 square feet of living space with 3 bedrooms, 2 bathrooms, and a versatile flex/office room -- with room to add a closet and create a 4th bedroom. Step out back to your own private pond view, a rare feature that sets this home apart from the rest of the neighborhood. Bartram Creek is a non-gated, amenity-rich community with no CDD fee, offering residents a community pool, clubhouse, jogging path, dog park, and playground. The location can't be beat: you're just minutes from Durbin Park Town Center's shopping, dining, and entertainment, with quick access to I-95 and SR-9B for an easy commute, and only a 20-30 minute drive to the beach or historic St. Augustine. The home is zoned for Bartram Springs Elementary, Twin Lakes Academy Middle, and Mandarin High School.

Cost to own

Mortgage calculator

Home Price

$425,000

Down Payment: 20%

$85,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,167

Principal & Interest: $2,167

Property taxes (est.): $694

Insurance (est.): $283

Estimated Total Monthly

$3,144

*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$2,167

Property taxesest. at asking price, Duval County$694

HOAbilled quarterly$75

Estimated total, before insurance$2,936/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,063/yr · $589/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): $7,063/yr

Estimated taxes if purchased at asking price: ~$8,300/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: Shingle — year not disclosed (home built 2015)

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

Solar potential: ~1,764 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