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 San Jose, Jacksonville — a waterfront home in Jacksonville.

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Active

Active·7 days on market·San Jose

7456 Old Kings Road S

Jacksonville, FL 32217

$344,900$211/sqftEst. $1,775/moMLS# 2159059

Beds

Baths

1,635

Sq Ft

1958

Built

Garage

Pool

About this home

San Jose

Step into this full brick home, relax and enjoy the view of San Jose Lake. Huge backyard, room for 2 pools. Beautiful hardwood floors throughout the entire home. Large room addition with vaulted ceiling, exposed beams, and a massive gas fireplace. Updated baths and kitchen, tankless water heater. Whole house Generac system, just in case you lose power. All new windows and doors ,plus upscale Plantation shutters. 5 burner cook top and elec. wall oven. BRAND NEW ROOF 7/26. Jack and Jill bath is a nice plus for the guest bedrooms. Very open floor plan makes it easy to entertain. You will love this house. Close to numerous restaurants, shopping and short commute to downtown.

Cost to own

Mortgage calculator

Home Price

$344,900

Down Payment: 20%

$68,980

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,775

Principal & Interest: $1,775

Property taxes (est.): $563

Insurance (est.): $230

Estimated Total Monthly

$2,568

*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$1,775

Property taxesest. at asking price, Duval County$563

Estimated total, before insurance$2,338/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,269/yr · $356/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): $4,269/yr

Estimated taxes if purchased at asking price: ~$6,800/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 1958)

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: ~1,730 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