4649 Suray Avenue

• • 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).

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.

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.

• Aug 6, 2026Listed$200,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

• 

  For Sale

  4146 Osceola Trail

  Middleburg, FL 32068

  3 bd · 2 ba · 1,404 sq ft

  $195,000Est. $1,038/mo

  Bring your toys and enjoy the space! This 3-bedroom, 2-bath home in Osceola Forest sits on a spacious 1.15-acre lot in…

  Listing Office: united real estate gallery

• 

  For Sale

  9358 Culpeper Avenue

  Jacksonville, FL 32208

  4 bd · 1.5 ba · 1,327 sq ft

  $190,000Est. $1,011/mo

  Move-in ready 4-bedroom, 1.5-bath home offering 1,327 square feet of beautifully updated living space. The open-concept…

  Listing Office: workman real estate llc

• 

  For Sale

  4654 Fredericksburg Avenue

  Jacksonville, FL 32208

  3 bd · 2 ba · 1,230 sq ft

  $215,000Est. $1,144/mo

  PRICED TO SELL -- DON'T MISS THIS OPPORTUNITY! Step inside this beautifully renovated 3-bedroom, 2-bath home…

  Listing Office: apex alliance realty group llc

• 

  For Sale

  4721 Portsmouth Avenue

  Jacksonville, FL 32208

  4 bd · 2.5 ba · 1,464 sq ft

  $184,900Est. $984/mo

  One or more photo(s) was virtually staged. Move-in ready four-bedroom, 2.5-bathroom home. This property has been…

  Listing Office: entera realty llc

• 

  For Sale

  8539 W Gate Parkway 1735

  Jacksonville, FL 32216

  3 bd · 2 ba · 1,347 sq ft

  $189,500Est. $1,009/mo

  Listing Office: at home realty services, llc.

  in Villa Medici
• 

  For Sale

  5260 Collins Road 1504

  Jacksonville, FL 32244

  3 bd · 2.5 ba · 1,596 sq ft

  $173,000Est. $921/mo

  Listing Office: residential wealth builders realty and property management

  in Chatham Woods

eTown guides & reports