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 Marsh Sound, Jacksonville.

No photos available

This listing has no photos yet

No photos available

This listing has no photos yet

Active

Active·Listed today·Marsh Sound

2154 Softwind Trail W

Jacksonville, FL 32224

$594,900$331/sqftEst. $3,033/moMLS# 2158104

Beds

Baths

1,795

Sq Ft

1994

Built

Garage

Pool

About this home

Marsh Sound

**OPEN HOUSE 7/31 SAT 11am-3pm** Welcome to Marsh Sound living, where modern upgrades, timeless style, and an unbeatable location come together just minutes from the Intracoastal and Jacksonville Beaches. Amenity center pool is just steps away. Located in one of the most desirable neighborhoods off San Pablo Road, this beautifully renovated 4-bedroom, 2-bath home offers nearly 1,800 square feet of move-in-ready living with major system updates already completed, including a BRAND NEW 2026 roof and HVAC system. Step inside to soaring ceilings, abundant natural light, and luxury wood-look LVP flooring throughout the entire home, absolutely no carpet. The open-concept layout creates an airy, inviting feel perfect for both everyday living and entertaining. A stunning remodeled kitchen serves as the heart of the home, featuring quartz countertops, ceiling-height soft-close cabinetry

Cost to own

Mortgage calculator

Home Price

$594,900

Down Payment: 20%

$118,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,033

Principal & Interest: $3,033

Property taxes (est.): $971

Insurance (est.): $397

Estimated Total Monthly

$4,401

*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$3,033

Property taxesest. at asking price, Duval County$971

HOAbilled annually$63

Estimated total, before insurance$4,067/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,040/yr · $420/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

Year	Market value	Taxable value	Change
2025	$409,038	$254,286	▲ $25,000
2024	$384,542	$246,413	▲ $14,928
2023	$382,866	$237,780	—
2022	$350,227	$229,399	—
2021	$283,515	$221,262	—
2020	$263,583	$263,583	▲ $5,000

2025 property taxes (current owner): $5,040/yr

Estimated taxes if purchased at asking price: ~$11,700/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 (2025), 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 — 2026 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,485 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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