Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville — a waterfront home in Jacksonville.

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749 Century 21 Drive

Jacksonville, FL 32216

$229,000$173/sqftEst. $1,168/moMLS# 2157841

Beds

Baths

1,327

Sq Ft

1985

Built

—

Garage

Pool

About this home

Jacksonville

Beautifully remodeled end-unit townhome that lives like a single-family home! With only one shared wall, a massive driveway, a huge backyard, and a private screened lanai, you'll enjoy space and privacy rarely found at this price point. No HOA or CDD! The open-concept floor plan features 3 bedrooms and 2 full baths, including a first-floor bedroom and full bath perfect for guests or a home office. Enjoy luxury updates throughout, including oversized luxury vinyl plank flooring, brand-new white shaker cabinets, quartz countertops in the kitchen and bathrooms, stainless steel appliances, new carpet upstairs, fresh interior and exterior paint, and designer finishes throughout. The spacious primary suite offers a huge walk-in closet. Major updates include a 2-year-old roof, a 5-year-old HVAC, new outlets & Light switches. Conveniently located just 25 minutes to the beach, 20 minutes to the airport and St. Johns Town Center, and minutes from shopping, restaurants, grocery stores, and more.

Cost to own

Mortgage calculator

Home Price

$229,000

Down Payment: 20%

$45,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,168

Principal & Interest: $1,168

Property taxes (est.): $374

Insurance (est.): $153

Estimated Total Monthly

$1,694

*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$1,168

Property taxesest. at asking price, Duval County$374

Estimated total, before insurance$1,542/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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $441/yr

Estimated taxes if purchased at asking price: ~$4,500/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 1985)

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

Solar potential: ~1,685 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