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Active

Active·11 days on market

8931 Needlepoint Place Place

Jacksonville, FL 32244

$400,000$200/sqftEst. $2,063/moMLS# 2157475

Beds

Baths

1,996

Sq Ft

1996

Built

Garage

Pool

About this home

Jacksonville

Seller is offering $5,000 toward the buyer's closing costs with an acceptable offer! Beautifully updated and move-in ready, this spacious 4-bedroom, 2-bath home in the desirable Chimney Lakes community offers nearly 2,000 square feet of comfortable living space. Recent improvements include new flooring throughout, a fully renovated primary bathroom, an upgraded fireplace, a new roof, providing both style and peace of mind. The split-bedroom floor plan features an open living area, a functional kitchen, and a generous primary suite with a beautifully remodeled bathroom. Enjoy the large backyard, perfect for entertaining, relaxing, or family activities.the community have pool, basketball court, tennis court and kids park, Conveniently located near shopping, restaurants, parks, NAS Jacksonville, and major highways. Don't miss this exceptional opportunity to own a beautifully updated home in one of Jacksonville's most convenient locations!

Cost to own

Mortgage calculator

Home Price

$400,000

Down Payment: 20%

$80,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,063

Principal & Interest: $2,063

Property taxes (est.): $653

Insurance (est.): $267

Estimated Total Monthly

$2,983

*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$2,063

Property taxesest. at asking price, Duval County$653

HOAbilled quarterly$36

Estimated total, before insurance$2,752/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: material not specified — year not disclosed (home built 1996)

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

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: ~1,738 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