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.

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Active

Active·18 days on market

4420 Spottswood Road N

Jacksonville, FL 32208

$175,000$115/sqftEst. $899/moMLS# 2158377

Beds

Baths

1,524

Sq Ft

1977

Built

—

Garage

Pool

About this home

Jacksonville

Opportunity is knocking in the established Sherwood Forest neighborhood! This 3-bedroom, 2-bath home offers 1,524 square feet of living space and endless potential for homeowners or savvy renovators looking to create something special. Built in 1977, this property features a newer roof installed in 2021, giving you a valuable head start on your renovation plans. Connected to city water and sewer, it provides the convenience buyers are looking for while offering the chance to customize every detail to match your vision. Ideally located just minutes from the scenic Trout River, you'll enjoy easy access to parks, boating, fishing, and outdoor recreation while remaining close to shopping, dining, schools, and major roadways. If you're searching for a place to transform into your dream home, this property is packed with potential. Bring your creativity, add your personal touch, and unlock the value waiting here.

Cost to own

Mortgage calculator

Home Price

$175,000

Down Payment: 20%

$35,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$899

Principal & Interest: $899

Property taxes (est.): $286

Insurance (est.): $117

Estimated Total Monthly

$1,301

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$899

Property taxesest. at asking price, Duval County$286

Estimated total, before insurance$1,184/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,077/yr · $90/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): $1,077/yr

Estimated taxes if purchased at asking price: ~$3,400/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 E

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

Roof: Shingle — 2021 per the listing

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

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: ~1,561 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