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

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13785 Herons Landing Way 2-8

Jacksonville, FL 32224

$215,000$175/sqftEst. $1,105/moMLS# 2163006

Beds

Baths

1,230

Sq Ft

2008

Built

Garage

Pool

About this home

Jacksonville

Welcome to your serene coastal oasis house in the highly desirable, gated community of Herons Landing! This beautifully maintained 2-bedroom, 2-bathroom second-floor townhouse offers 1,230 square feet of bright, open-concept living space designed for comfort and modern convenience.Step inside to discover a spacious living area that flows seamlessly into a well-appointed kitchen, perfect for casual dining and entertaining. The split-bedroom floor plan ensures ultimate privacy. The generous primary suite features an en-suite bathroom and ample closet space, while the second bedroom is ideal for guests, a home office, or a peaceful retreat. Slide open the glass doors to your private balcony, where you can unwind and enjoy peaceful territorial and water views.This unit includes the rare and highly coveted convenience of a private, attached 1-car garage with internal access.Living in Herons Landing means enjoying a maintenance-free,resort-style lifestyle. Brand New Refrigerator,Washer Dryer

Cost to own

Mortgage calculator

Home Price

$215,000

Down Payment: 20%

$43,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,105

Principal & Interest: $1,105

Property taxes (est.): $351

Insurance (est.): $143

Estimated Total Monthly

$1,600

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$1,105

Property taxesest. at asking price, Duval County$351

HOAbilled monthly$425

Estimated total, before insurance$1,881/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,674/yr · $306/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): $3,674/yr

Estimated taxes if purchased at asking price: ~$4,200/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.

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 C

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

Roof: material not specified — year not disclosed (home built 2008)

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

Likely sewer · part of complex with utility sewer · Public water · part of complex with utility water

County records indicate this parcel on central sewer served by part of complex with utility sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,790 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