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This home is in Jacksonville — a gated community home in Jacksonville.

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Active

Active·2 days on market

10435 Midtown Parkway 233

Jacksonville, FL 32246

$179,000$207/sqftEst. $925/moMLS# 2161116

Beds

Baths

866

Sq Ft

2006

Built

Garage

Pool

About this home

Jacksonville

Largest 1 Br in Complex. 2nd Floor Unit with Original Hardwood Floors, Grandfathered in, No Carpet. Newly Painted Interior, Professionally Cleaned and New Water Heater Prior to Closing. Granite Countertop, SS Appliances. Nice Water View and Balcony to Enjoy it. Unit comes with 1 Assigned Parking of 191. Great Location inside St. Johns Town Center. Walkable to all the Shops. Publix, Sprouts, Costco in Walking Distance. 20 minutes to Downtown, 15 minutes to Jacksonville Beach. Make your Appt. Today.

Cost to own

Mortgage calculator

Home Price

$179,000

Down Payment: 20%

$35,800

Interest Rate: 6.71%

Loan Term

Monthly Payment

$925

Principal & Interest: $925

Property taxes (est.): $292

Insurance (est.): $119

Estimated Total Monthly

$1,337

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.71% · 30yr$925

Property taxesest. at asking price, Duval County$292

HOAbilled monthly$407

Estimated total, before insurance$1,624/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,921/yr · $243/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).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,921/yr

Estimated taxes if purchased at asking price: ~$3,500/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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: Tile — year not disclosed (home built 2006)

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

Likely sewer

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,784 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 September 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 4, 2026Active$179,000
Aug 20, 2026Listed$179,000

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

Features

Price$179,000

Price / Sq Ft$207

Bedrooms1

Bathrooms1.00

Full Baths1

Square Footage866

Acres0.01 acres

Year Built2006

TypeResidential

Sub-TypeCondominium

StyleOther

Property ConditionUpdated/Remodeled

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontYes

Community Information

Address10435 Midtown Parkway 233, Jacksonville, FL 32246

Area023-Southside-East Of Southside Blvd

SubdivisionEsplanade At Town Center

CityJacksonville

CountyDuval

StateFL

Zip Code32246

Lot Size435.6 sq ft

Parcel Number1677275214

Amenities

AmenitiesPool, Barbecue, Clubhouse, Elevator(s), Fitness Center, Gated, Maintenance Grounds, Maintenance Structure, Management - Full Time, Management- On Site, Trash

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAssigned, Garage

ViewWater

Waterfront TypePond