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Active

Active·48 days on market

1615 Derito Drive

Jacksonville, FL 32221

$195,000$185/sqftEst. $1,041/moMLS# 2159945

↓ $5,000 below original list

Beds

Baths

1,056

Sq Ft

2021

Built

—

Garage

Pool

FEMA Zone XNo HOA0.74 acresMobile Home1 story

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Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 333-8595 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville

Looking for a little more peace, privacy, and room to breathe? This beautifully designed 2021 Clayton mobile home sits on .74 acres in a quiet, peaceful setting. Inside, you'll find 3 bedrooms, 2 bathrooms, a bright and functional layout, and a stylish kitchen complete with stainless steel appliances. At only five years old, this home offers the peace of mind that comes with a newer home while still giving you plenty of space to enjoy. Step outside, slow down, and take in the peaceful surroundings and wildlife. Two storage sheds provide plenty of extra space for tools, lawn equipment, and all the extras. If you've been looking for a newer home with a spacious lot and a little more peace and quiet, this one is worth a look!

Next steps in Atlantic Beach

Cost to own

True monthly cost

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

Principal & interest20% down · 7.03% · 30yr$1,041

Property taxesest. at asking price, Duval County$318

Estimated total, before insurance$1,359/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$195,000

Down Payment: 20%

$39,000

Interest Rate: 7.03%

Loan Term

Monthly Payment

$1,041

Principal & Interest: $1,041

Property taxes (est.): $318

Insurance (est.): $130

Estimated Total Monthly

$1,489

*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

Outside all hurricane evacuation zones

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

Roof: Shingle — year not disclosed (home built 2021)

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

Solar potential: ~1,361 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

Price & status history

Sep 3, 2026Price change$195,000−$5,000
Aug 13, 2026Listed$200,000

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

Features

Price$195,000

Price / Sq Ft$185

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,056

Acres0.74 acres

Year Built2021

TypeResidential

Sub-TypeMobile Home

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontNo

Community Information

Address1615 Derito Drive, Jacksonville, FL 32221

Area062-Crystal Springs/Country Creek Area

SubdivisionNormandy

CityJacksonville

CountyDuval

StateFL

Zip Code32221

Lot Size32,234.4 sq ft

Parcel Number0093040015

Amenities

UtilitiesCable Available

Water SourcePrivate

ParkingAttached

ViewTrees/Woods

Interior

Interior FeaturesEat-in Kitchen, Kitchen Island, Pantry

AppliancesElectric Cooktop, Electric Range, Refrigerator

HeatingCentral

CoolingCentral Air

# of Stories1

LevelsOne

Exterior

Lot DescriptionWooded

FencingChain Link

RoofShingle

ConstructionVinyl Siding

Other StructuresShed(s)

Road SurfaceAsphalt

Additional Information

Date ListedAugust 13, 2026

Days on Market22

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: MOMENTUM REALTY

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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