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Pending

Pending·24 days on market

2106 Dunn Creek Cemetery Road

Jacksonville, FL 32218

$375,000$178/sqftEst. $1,986/moMLS# 2161861

↓ $10,000 below original list

Beds

Baths

2,106

Sq Ft

1988

Built

Garage

Pool

FEMA Zone XNo HOA1.27 acresSingle Family Residence1 story

About this home

Jacksonville

Multiple Offers, H&B by 9-18, 5pm Attractive 3BR/2BA brick home on 1.27 private acres at the end of a truly dead-end street, with spacious rooms & abundant storage. Enjoy 3 patios, 1 with a built-in checkerboard, also 2 outbuildings, one a 12' x 20' finished shop. Private well & septic, no HOA, & multiple fruit trees. Inside, the kitchen features marble countertops, travertine floors, & custom all-wood cabinets. The vaulted living room has a wood-burning fireplace, while the formal dining room could be your office. A large primary suite has 2 closets & a private bath with heated towel rack, room heater, timers, & Bluetooth speakers. Other features include bonus room, separate laundry, built-in bookshelf. A great property for family living, entertaining, hobbies, or simply enjoying peace, privacy & plenty of room! Preferred lender to offer 1% of loan amount toward the buyer's closing costs, prepaids, or rate buydown. Financing by Bayway Mortgage Group, Edward Carlton. Conditions apply

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$1,986

Property taxesest. at asking price, Duval County$612

Estimated total, before insurance$2,598/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,503/yr · $209/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

Home Price

$375,000

Down Payment: 20%

$75,000

Interest Rate: 6.95%

Loan Term

Monthly Payment

$1,986

Principal & Interest: $1,986

Property taxes (est.): $612

Insurance (est.): $250

Estimated Total Monthly

$2,848

*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1988)

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: ~1,677 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,503/yr

Estimated taxes if purchased at asking price: ~$7,300/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

Sep 18, 2026Pending$375,000
Sep 10, 2026Price change$375,000−$10,000
Aug 28, 2026Active$385,000
Aug 16, 2026Listed$385,000

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

Features

Price$375,000

Price / Sq Ft$178

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,106

Acres1.27 acres

Year Built1988

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryLouis Sheffield

MiddleOceanway

HighFirst Coast

Community Information

Address2106 Dunn Creek Cemetery Road, Jacksonville, FL 32218

Area092-Oceanway/Pecan Park

SubdivisionSection Land

CityJacksonville

CountyDuval

StateFL

Zip Code32218

Lot Size55,321.2 sq ft

Lot Dimensions268 x 208

Parcel Number1064850010

Amenities

UtilitiesCable Available, Electricity Connected

SewerSeptic Tank

Water SourcePrivate, Well

ParkingAdditional Parking, Attached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom - Tub with Shower, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Electric Range, Ice Maker, Plumbed For Ice Maker, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Vinyl

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

Exterior

Exterior FeaturesFire Pit

Lot DescriptionDead End Street

Patio / PorchCovered, Front Porch, Porch

RoofShingle

ConstructionBrick

Other StructuresShed(s), Workshop

Road SurfaceAsphalt

Road FrontageCity Street

Additional Information

Date ListedAugust 28, 2026

Days on Market21

Tax Amount$2,503.02

Tax Year2025

Listing TermsAssumable, Cash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST · Julie.Bussey@cirefc.com

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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2106 Dunn Creek Cemetery Road

Jacksonville

True monthly cost

Mortgage calculator

Florida Reality Check

Taxes & assessment

Price & status history

Features

School Information

Community Information

Amenities

Interior

Exterior

Additional Information

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