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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 Sutton Lakes, Jacksonville.

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Active

Active·13 days on market·Sutton Lakes

11170 Peerless Lane

Jacksonville, FL 32246

$348,000$246/sqftEst. $1,928/moMLS# 2162597
3
Beds
2
Baths
1,417
Sq Ft
2004
Built
2
Garage
No
Pool

17 more homes for sale in Sutton Lakes →Search Sutton Lakes on the map

FEMA Zone XHOA $33/moSingle 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

Sutton Lakes

Welcome home to this move-in-ready, single family home in Sutton Lakes! This well-maintained home features a desirable split-bedroom floor plan, tile flooring throughout the main living areas, and a layout designed for easy everyday living. The eat-in kitchen is perfect for casual meals, while the separate dining area provides a great space for entertaining. Both bathrooms have been tastefully updated. Enjoy the convenience of an interior laundry room, along with major updates including a 2018 roof, 2021 A/C, new back sliding door in 2024, and water heater in 2025. Step outside to the backyard and create your own outdoor retreat. Whether you're a first-time buyer, downsizing, or simply looking for a home that's ready to enjoy, this one is worth a look! Seller is offering a one-year paid Home Warranty through Fidelity National Home Warranty for added peace of mind. Conveniently located close to the beaches, Mayport, I-295 and the St Johns Town Center and more.

Next steps in Sutton Lakes

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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$1,928
Property taxesest. at asking price, Duval County$568
HOAbilled annually$33
Estimated total, before insurance$2,529/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

$348,000
$69,600
Loan Term
Monthly Payment
$1,928
Principal & Interest: $1,928
Property taxes (est.): $568
Insurance (est.): $232
Estimated Total Monthly
$2,728
*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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — 2018 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,658 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 28, 2026Active$348,000
  • Aug 29, 2026Listed$348,000

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 $224/sq ft; this home is listed at $246/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2241 Pierce Arrow Drive, Jacksonville, FL 32246Listed by COWFORD REALTY & DESIGN LLCAug 2026$352,000$2503/21,40950.2
2126 Weymouth Circle E, Jacksonville, FL 32246Listed by MOMENTUM REALTYSep 2026$275,000$1844/21,49280.5
10967 Majuro Drive, Jacksonville, FL 32246Listed by BASS PROFESSIONAL REALTY, INCSep 2026$308,000$2283/21,3481160.6
2766 Sam Hardwick Boulevard, Jacksonville, FL 32246Listed by TU FAMILIA REAL ESTATEOct 2026$370,000$2044/21,816130.9
1932 Kusaie Drive, Jacksonville, FL 32246Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYSep 2026$230,000$2243/11,02511
2842 Daffodil Circle W, Jacksonville, FL 32246Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$254,000$1834/21,388191

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$348,000
Price / Sq Ft$246
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,417
Year Built2004
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch, Traditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address11170 Peerless Lane, Jacksonville, FL 32246
Area023-Southside-East Of Southside Blvd
SubdivisionSutton Lakes
CityJacksonville
CountyDuval
StateFL
Zip Code32246
Parcel Number1652872160

Amenities

AmenitiesPool, Playground
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Primary Bathroom - Tub with Shower, Split Bedrooms
AppliancesDishwasher, Dryer, Electric Range, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1

Exterior

RoofShingle
ConstructionBrick Veneer, Vinyl Siding
Road SurfaceAsphalt

Additional Information

Date ListedSeptember 28, 2026
Days on Market6
HOA Fees$397 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS

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.

The neighborhood

About Sutton Lakes

Sutton Lakes is a neighborhood in Jacksonville, FL (Duval County), ZIP 32246.

View all Sutton Lakes homes for sale →

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.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

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

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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