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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 — a home near Sandalwood High School.

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Active

Active·47 days on market

2172 Aztec Drive W

Jacksonville, FL 32246

$435,000$227/sqftEst. $2,381/moMLS# 2160888
↓ $14,900 below original list
3
Beds
2
Baths
1,920
Sq Ft
1987
Built
2
Garage
No
Pool
FEMA Zone AEHOA $36/mo16,553 sqft lotSingle Family Residence1 story

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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 beautifully refreshed home in the desirable Indian Springs subdivision, situated on a large lot with lush grass, mature bushes, and a private backyard. Fresh interior and exterior paint complement the LVP, tile, and carpet flooring throughout. The inviting living area features a cozy fireplace, while ceiling fans are featured in select rooms. The kitchen offers white cabinetry, new quartz countertops, stainless steel appliances, and ample storage. An upstairs loft provides flexible space for a home office, playroom, media area, or second living room. The spacious primary suite features a vaulted ceiling and en suite bathroom with a dual vanity. Blinds throughout add privacy and convenience. Enjoy the back porch overlooking the private backyard, perfect for relaxing or entertaining. A NEW roof provides added peace of mind. Move-in ready and full of desirable updates!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.28% · 30yr$2,381
Property taxesest. at asking price, Duval County$710
HOAbilled annually$36
Estimated total, before insurance$3,128/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,374/yr · $531/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

$435,000
$87,000
Loan Term
Monthly Payment
$2,381
Principal & Interest: $2,381
Property taxes (est.): $710
Insurance (est.): $290
Estimated Total Monthly
$3,381
*30-year loan at 7.28% APR (avg 30-yr rate 2026-10-01, 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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone E

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

Roof: Shingle — year not disclosed (home built 1987)

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: ~1,758 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.

Sun & Light

Northwest-facing backyard — summer sunsets, gentle days

The listing reports the home facing southeast, which puts the backyard on the northwest side. Today at this address: sunrise 7:22 AM, sunset 7:05 PM.

  • The rear sits softly lit through most of the day, then catches the late golden hour — in summer the sun sets almost straight into this exposure.
  • Cooler than a true west lot with some of the sunset payoff; winter evenings go dark early.

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): $6,374/yr

Estimated taxes if purchased at asking price: ~$8,500/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

  • Oct 2, 2026Price change$435,000−$14,900
  • Aug 19, 2026Listed$449,900

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

Features

Price$435,000
Price / Sq Ft$227
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,920
Acres0.38 acres
Year Built1987
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesSoutheast

School Information

ElementaryAbess Park

Community Information

Address2172 Aztec Drive W, Jacksonville, FL 32246
Area025-Intracoastal West-North Of Beach Blvd
SubdivisionIndian Springs
CityJacksonville
CountyDuval
StateFL
Zip Code32246
Lot Size16,552.8 sq ft
Parcel Number1652702604
ZoningResidential

Amenities

AmenitiesPool
Community FeaturesSidewalks, Curbs
UtilitiesElectricity Connected, Natural Gas Not Available, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewOther

Interior

Interior FeaturesCeiling Fan(s), Pantry, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Vinyl
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsTwo
LaundryIn Garage
SecuritySmoke Detector(s)

Exterior

Patio / PorchPatio, Rear Porch, Screened
FencingBack Yard, Wood
RoofShingle
ConstructionAluminum Siding, Wood Siding

Additional Information

Date ListedAugust 19, 2026
Days on Market45
HOA Fees$437.75 / Annually
HOA FrequencyAnnually
HOA NameIndian Springs Community Association
HOA Fee IncludesOther
Tax Amount$6,374.15
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HOMESMART

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

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20+ years · 500+ closings · NE Florida

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