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This home is in Beacon Hills Harbor, Jacksonville.

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Active·6 days on market·Beacon Hills Harbor

4650 Morris Road

Jacksonville, FL 32225

$350,000$269/sqftEst. $1,801/moMLS# 2158703

Beds

Baths

1,300

Sq Ft

1961

Built

—

Garage

Pool

About this home

Beacon Hills Harbor

Welcome to 4650 Morris Road, Jacksonville, FL 32225, a beautifully completely remodeled brick home offering the perfect blend of timeless character and modern style. This 4 bedroom, 2 bathroom residence features approximately 1,300 square feet of thoughtfully designed living space that lives much larger than its size thanks to its efficient layout and open, inviting feel. A brand new roof adds peace of mind and long term value. Inside, you will find original hardwood floors that add warmth and character throughout the home, paired with a completely remodeled interior designed for today's lifestyle. The updated kitchen features modern finishes, ample cabinet space, and generous countertops, making it ideal for everyday living and entertaining. The beautifully remodeled bathrooms offer stylish finishes, while the well designed layout provides comfortable living spaces for family and guests alike.

Cost to own

Mortgage calculator

Home Price

$350,000

Down Payment: 20%

$70,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,801

Principal & Interest: $1,801

Property taxes (est.): $572

Insurance (est.): $233

Estimated Total Monthly

$2,606

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,801

Property taxesest. at asking price, Duval County$571

Estimated total, before insurance$2,373/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,513/yr · $209/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): $2,513/yr

Estimated taxes if purchased at asking price: ~$6,900/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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 1961)

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

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: ~1,160 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

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