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.

1 / 29

Active

Active·6 days on market

1317 Ellis Trace Drive W

Jacksonville, FL 32205

$155,000$151/sqftEst. $798/moMLS# 2159144

Beds

Baths

1,028

Sq Ft

1988

Built

—

Garage

Pool

About this home

Jacksonville

Discover this spacious 3-bedroom, 1.5-bathroom townhome offering a functional layout, soaring ceilings, and plenty of storage. The kitchen features stainless steel appliances and ample cabinetry, opening to the bright living and dining area with soaring ceilings and skylights that bring in plenty of natural light. The spacious primary bedroom includes a convenient ensuite half bath, while two additional bedrooms share a full bathroom. One of the additional bedrooms was created from a partial garage conversion, adding extra living space and storage. A laundry closet adds convenience, and the private fenced backyard provides a great outdoor space. Conveniently located near the Shoppes of Avondale, this townhome offers easy access to shopping, dining, and everyday conveniences. With generous storage, an open living area, and a versatile floor plan, this home offers plenty of room to make it your own!

Cost to own

Mortgage calculator

Home Price

$155,000

Down Payment: 20%

$31,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$798

Principal & Interest: $798

Property taxes (est.): $253

Insurance (est.): $103

Estimated Total Monthly

$1,154

*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$798

Property taxesest. at asking price, Duval County$253

Estimated total, before insurance$1,051/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,007/yr · $84/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): $1,007/yr

Estimated taxes if purchased at asking price: ~$3,000/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 D

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

Roof: material not specified — year not disclosed (home built 1988)

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

Likely sewer

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,376 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