This home is in Jacksonville — a gated community home in Jacksonville.
Active·52 days on market
8550 Argyle Business Loop 805
Jacksonville, FL 32244
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Welcome to this well-maintained 2-bedroom, 2.5-bath townhome-style condo with 1,176 sq ft in the desirable gated community of The Cottages at Argyle. Built in 2006, this two-story unit offers low maintenance living with an open main level featuring a kitchen that flows into the living and dining areas, a convenient half bath, and laundry. Upstairs you'll find two bedrooms, each with its own full bath, plus generous closet space. Enjoy a serene back patio perfect for relaxing, plus a 1-car garage for parking or storage. Community amenities include a sparkling pool, playground, and grill area; all within a secure gated setting. Exterior maintenance is handled by the HOA. The community is nestled in a prime location with easy access to I-295, shopping, dining, NAS Jacksonville, and more. Ideal for first-time buyers, downsizers, or investors who prefer low-maintenance ownership since all exterior upkeep covered by the association .
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 C
Zone C evacuates after zones A, B in an approaching storm.
Roof: material not specified — 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 Water/Sewer
County records show this parcel on central sewer served by JEA Water/Sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,768 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.
Sun & Light
Northeast-facing backyard — summer sunrises, all-day cool
The listing reports the home facing southwest, which puts the backyard on the northeast side. Today at this address: sunrise 7:26 AM, sunset 7:01 PM.
- The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
- The coolest diagonal for a lanai; a pool here trades warmth for comfort.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $2,638/yr
Estimated taxes if purchased at asking price: ~$3,100/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
- Aug 19, 2026Listed$160,000
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 $118/sq ft; this home is listed at $136/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 8550 Argyle Business Loop Loop 707, Jacksonville, FL 32244Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $173,000 | $116 | 3/2.5 | 1,486 | 27 | 0 |
| 8550 Argyle Business Loop 908, Jacksonville, FL 32244Listed by OPENDOOR BROKERAGE, LLC. | Aug 2026 | $170,000 | $117 | 3/2.5 | 1,455 | 16 | 0 |
| 8550 Argyle Business Loop 306, Jacksonville, FL 32244Listed by PMI RIVER CITY | Jul 2026 | $175,000 | $118 | 3/2.5 | 1,486 | 16 | 0.1 |
| 8550 Argyle Business Loop 1608, Jacksonville, FL 32244Listed by PONTE VEDRA CLUB REALTY, INC. | Oct 2026 | $168,000 | $115 | 3/2.5 | 1,455 | 6 | 0.2 |
| 8550 Argyle Business Loop 1507, Jacksonville, FL 32244Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $178,000 | $120 | 3/2.5 | 1,486 | 155 | 0.2 |
| 8550 Argyle Business Loop 1508, Jacksonville, FL 32244Listed by PONTE VEDRA CLUB REALTY, INC. | Sep 2026 | $183,500 | $126 | 3/3.5 | 1,455 | 7 | 0.2 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PMI RIVER CITY
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
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines