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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville.

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Active

Active·41 days on market

11534 Inez Drive

Jacksonville, FL 32218

$285,900$162/sqftEst. $1,514/moMLS# 2159826
$9,000 below original list
3
Beds
2
Baths
1,770
Sq Ft
1961
Built
Garage
No
Pool
FEMA Zone XNo HOA10,890 sqft lotSingle Family Residence1 story

About this home

Jacksonville

FULLY REMODELED & MOVE-IN READY! Step inside to a bright, modern open-concept design where the kitchen, dining and living areas flow seamlessly together--perfect for everyday living and entertaining. The updated kitchen is the heart of the home, featuring a breakfast island, brand-new appliances and open sightlines throughout the main living spaces. Enjoy the convenience of an attached laundry area and stylish updates throughout with no renovations needed before moving in. Step outside to a screened-in patio overlooking a fully fenced backyard, offering privacy and plenty of room for pets, play or entertaining. A backyard shed plus additional versatile storage space adds even more functionality. Conveniently located near shopping, dining and major roadways, this home delivers what buyers are looking for: modern updates, functional living, great outdoor space and exceptional value. Schedule your showing today!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.95% · 30yr$1,514
Property taxesest. at asking price, Duval County$467
Estimated total, before insurance$1,981/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,795/yr · $150/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$285,900
$57,180
Loan Term
Monthly Payment
$1,514
Principal & Interest: $1,514
Property taxes (est.): $467
Insurance (est.): $191
Estimated Total Monthly
$2,171
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

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 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: ~1,337 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,795/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 9, 2026Price change$285,900$4,000
  • Sep 1, 2026Price change$289,900$5,000
  • Aug 12, 2026Listed$294,900

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

Features

Price$285,900
Price / Sq Ft$162
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,770
Acres0.25 acres
Year Built1961
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUpdated/Remodeled
StatusActive
Has PoolNo
Is WaterfrontNo

Community Information

Address11534 Inez Drive, Jacksonville, FL 32218
Area095-San Mateo/Eastport
SubdivisionSan Mateo
CityJacksonville
CountyDuval
StateFL
Zip Code32218
Lot Size10,890 sq ft
Parcel Number1105970000

Amenities

UtilitiesSewer Connected
SewerPublic Sewer
Water SourcePublic
ParkingCarport

Interior

AppliancesDishwasher, Electric Range, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup

Additional Information

Date ListedAugust 12, 2026
Days on Market28
Tax Amount$1,795.4
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HASSLE-FREE REALTY LLC · maria@hasslefreere.com

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.

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

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