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Active·5 days on market

309 Sandra Road

Jacksonville, FL 32211

$285,000$227/sqftEst. $1,453/moMLS# 2157954

Beds

Baths

1,255

Sq Ft

1948

Built

—

Garage

Pool

About this home

Jacksonville

Welcome to 309 Sandra Road, a move in ready home that combines modern upgrades with comfortable living in one of Jacksonville's most established neighborhoods. This charming 2-bedroom, 1-bath home offers an inviting open living space and a beautiful kitchen featuring quartz countertops, custom cabinetry, a farmhouse sink, and stainless steel appliances, perfect for both everyday living and entertaining. With the screened patio and another backyard hangout space, these areas create the ideal space to relax year round. Situated on a spacious corner lot with a circular driveway, the property offers plenty of parking and outdoor space to enjoy. Located just blocks from the St. Johns River and surrounded by beautiful waterfront homes, this property combines a quiet neighborhood feel with quick access to downtown Jacksonville, where you can enjoy restaurants, nightlife, concerts, and cheer on the Jacksonville Jaguars at EverBank Stadium.

Cost to own

Mortgage calculator

Home Price

$285,000

Down Payment: 20%

$57,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,453

Principal & Interest: $1,453

Property taxes (est.): $465

Insurance (est.): $190

Estimated Total Monthly

$2,108

*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$1,453

Property taxesest. at asking price, Duval County$465

Estimated total, before insurance$1,918/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,379/yr · $282/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): $3,379/yr

Estimated taxes if purchased at asking price: ~$5,600/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.

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

Roof: material not specified — year not disclosed (home built 1948)

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

Septic system (public record) · Public water (record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,505 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