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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 pool home in Jacksonville.

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Active

Active·51 days on market

5163 Delphin Lane

Jacksonville, FL 32244

$159,900$178/sqftEst. $886/moMLS# 2160947
↓ $10,000 below original list
2
Beds
1
Baths
896
Sq Ft
1967
Built
—
Garage
Yes
Pool
FEMA Zone XNo HOASingle Family Residence1 story

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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) 709-7917 Text Krista

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

About this home

Jacksonville

Affordable opportunity in the desirable Ortega Farms area of Jacksonville! This charming traditional ranch-style home offers 2 bedrooms, 1 full bath, and a versatile flex space that can be used as a bedroom, office, bonus room, hobby area, or storage. The home features vinyl wood-look flooring and is move-in ready with an opportunity for the new owner to add their personal touch. Enjoy a spacious, fully fenced lot, plenty of parking, and room to enjoy the outdoors. Private well and septic service the property. Conveniently located near NAS Jacksonville, shopping, dining, parks, major roadways, Ortega, and Riverside. Affordable homes in this established area under $160K are hard to find--don't miss the opportunity to make this one your own!

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$886
Property taxesest. at asking price, Duval County$261
Estimated total, before insurance$1,147/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

$159,900
$31,980
Loan Term
Monthly Payment
$886
Principal & Interest: $886
Property taxes (est.): $261
Insurance (est.): $107
Estimated Total Monthly
$1,253
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 1967)

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

Likely septic

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,561 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.

History

Price & status history

  • Oct 2, 2026Price change$159,900−$10,000
  • Aug 20, 2026Listed$169,900

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 $196/sq ft; this home is listed at $178/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
5919 Pueblo Court, Jacksonville, FL 32244Listed by WATSON REALTY CORPJun 2026$295,000$2613/21,132180.3
5831 Carter Lane, Jacksonville, FL 32244Listed by REAL BROKER LLCFeb 2026$158,000$1583/11,00060.3
5130 Corsair Avenue, Jacksonville, FL 32244Listed by KELLER WILLIAMS JACKSONVILLEDec 2025$85,000$933/1918180.5
5156 Corsair Avenue, Jacksonville, FL 32244Listed by DOGWOOD REALTYSep 2025$210,000$1823/21,1551030.5
5663 Minocqua Street, Jacksonville, FL 32210Listed by NAVY TO NAVY HOMES LLCSep 2026$245,000$2194/21,120140.9
5229 Saginaw Avenue, Jacksonville, FL 32210Listed by MOMENTUM REALTYAug 2026$214,000$1964/21,092500.9

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

Price$159,900
Price / Sq Ft$178
Bedrooms2
Bathrooms1.00
Full Baths1
Square Footage896
Year Built1967
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive
Has PoolYes
Pool FeaturesNone
Is WaterfrontNo

Community Information

Address5163 Delphin Lane, Jacksonville, FL 32244
Area056-Yukon/Wesconnett/oak Hill
SubdivisionOrtega Farms
CityJacksonville
CountyDuval
StateFL
Zip Code32244
Parcel Number1032000010

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingOff Street

Interior

AppliancesElectric Range, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1
LevelsOne

Exterior

FencingFenced

Additional Information

Date ListedAugust 20, 2026
Days on Market43
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EXP REALTY LLC

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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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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