This home is in Jacksonville.
Active·64 days on market
11532 Tori Lane
Jacksonville, FL 32218
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
This spacious home offers a flexible layout well suited for multigenerational living if desired. Upon entering, you are greeted by an elegant art niche in the foyer and impressive vaulted ceilings. The home features separate formal living and dining rooms, along with an oversized great room that provides plenty of space for entertaining and everyday relaxation. Full irrigation and AHS home warranty. The spacious kitchen includes a breakfast nook, while the separate laundry room offers convenient washer and dryer connections. The guest bathroom is equipped with safety grab bars in the shower-and-tub combination for added ease and security. Upstairs, the versatile bonus room may be converted into an additional bedroom, home office, media room, or recreational space. Outside, beautiful mature trees and attractive landscaping create an inviting setting with wonderful possibilities for gardening enthusiasts. Conveniently located near I-295, I-95, River City Marketplace and JAX airport.
Next steps in Jacksonville
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — year not disclosed (home built 2006)
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: ~1,644 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 homeAs 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $1,907/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.
History
Price & status history
- Sep 16, 2026Price change$285,000−$40,000
- Aug 20, 2026Price change$325,000−$35,000
- Aug 8, 2026Active$360,000
- Aug 6, 2026Listed$360,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $150/sq ft; this home is listed at $131/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 11532 Birch Forest Circle E, Jacksonville, FL 32218Listed by UNITED REAL ESTATE GALLERY | Sep 2026 | $244,000 | $150 | 5/2 | 1,629 | 90 | 0.1 |
| 11529 Oaklawn Road, Jacksonville, FL 32218Listed by DOCTORS LAKE REALTY | Sep 2026 | $228,000 | $96 | 3/2.5 | 2,380 | 30 | 0.6 |
| 1860 Montward Preserve Way, Jacksonville, FL 32218Listed by WATSON REALTY CORP | Sep 2026 | $280,000 | $170 | 3/2 | 1,648 | 35 | 0.9 |
| 1669 Biscayne Bay Circle, Jacksonville, FL 32218Listed by PUBLIC SERVICES REALTY | Sep 2026 | $180,000 | $113 | 3/2.5 | 1,588 | 65 | 1 |
| 1226 Turtle Creek Drive S, Jacksonville, FL 32218Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Sep 2026 | $306,525 | $173 | 3/2 | 1,767 | 11 | 1.2 |
| 1214 Turtle Creek Drive N, Jacksonville, FL 32218Listed by RE/MAX SPECIALISTS | Oct 2026 | $190,050 | $110 | 3/2.5 | 1,724 | 33 | 1.3 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BEAR REALTY, INC.
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines