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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7145 Timmerman Lane

Jacksonville, FL 32244

$212,500$139/sqftEst. $1,083/moMLS# 2157844

Beds

Baths

1,531

Sq Ft

2016

Built

Garage

Pool

About this home

Jacksonville

Welcome to this beautifully maintained, move-in-ready townhome offering a comfortable and functional two-story layout. The open-concept first floor creates an inviting flow between the living, dining, and kitchen areas, perfect for everyday living and entertaining. The modern kitchen features beautiful granite countertops, generous cabinet space, and a breakfast bar for casual dining. A convenient half bath is also located on the main floor for guests. Upstairs, you'll find all three bedrooms, two full bathrooms, and a versatile loft that can be used as a home office, playroom, reading area, or additional living space. Wood-look vinyl plank flooring flows throughout the home, with brand-new carpet only on the stairs. The bathroom vanities also feature granite countertops for a coordinated finish. Additional highlights include an attached garage and alarm system. Conveniently located just a few miles from Ringhaver Park and approximately 15 minutes from NAS Jacksonville, this townhome

Cost to own

Mortgage calculator

Home Price

$212,500

Down Payment: 20%

$42,500

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,083

Principal & Interest: $1,083

Property taxes (est.): $347

Insurance (est.): $142

Estimated Total Monthly

$1,572

*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$1,083

Property taxesest. at asking price, Duval County$347

HOAbilled monthly$115

Estimated total, before insurance$1,545/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.

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 2016)

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

Solar potential: ~1,610 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