Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in The Villas, Jacksonville — a home near Atlantic Coast High School.

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Active

Active·5 days on market·The Villas

320 Wingstone Drive

Jacksonville, FL 32081

$585,900$275/sqftEst. $3,028/moMLS# 2163324

Beds

Baths

2,128

Sq Ft

2017

Built

Garage

Pool

About this home

The Villas

EFFORTLESS LUXURY LIVING! Beautifully appointed, this move-in-ready villa is located within the active and carefree lifestyle of Nocatee. Designed with both style and comfort, this 3 Bedroom/2 Bath home features elegant finishes. The spacious living areas are ideal for both family and entertaining along with a floor plan design that offers the perfect combination of sophistication and low-maintenance living. Every detail creates a warm and inviting feel that is refined yet comfortable. Enjoy all the Florida lifestyle has to offer with a large enclosed lanai with custom electric shades and extended paver patio with a natural preserve view. Perfect for those seeking a beautifully maintained residence without the demands of a traditional home, this property offers a rare opportunity to enjoy privacy, convenience, and exceptional community setting. The price reflects a new 98'' TV, 4 Seat EZGO Golf Cart and Home Surge Protector. HOA covers both roof and exterior painting. WELCOME HOME!

Cost to own

Mortgage calculator

Home Price

$585,900

Down Payment: 20%

$117,180

Interest Rate: 6.71%

Loan Term

Monthly Payment

$3,028

Principal & Interest: $3,028

Property taxes (est.): $957

Insurance (est.): $391

Estimated Total Monthly

$4,375

*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$3,028

Property taxesest. at asking price, Duval County$957

HOAbilled monthly$431

Estimated total, before insurance$4,415/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,204/yr · $600/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): $7,204/yr

Estimated taxes if purchased at asking price: ~$11,500/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.

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: Shingle — year not disclosed (home built 2017)

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

Solar potential: ~1,745 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 3, 2026Listed$585,900

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

Features

Price$585,900

Price / Sq Ft$275

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,128

Acres0.11 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StyleVilla

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryBartram Springs

MiddleTwin Lakes Academy

HighAtlantic Coast

Community Information

Address320 Wingstone Drive, Jacksonville, FL 32081

Area029-Nocatee (Duval County)

SubdivisionVillas At Nocatee

CityJacksonville

CountyDuval

StateFL

Zip Code32081

Lot Size4,791.6 sq ft

Parcel Number1681496170

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Gated, Management - Off Site

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s), Wet Bar

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Wood

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySecurity Gate, Smoke Detector(s)