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 Cypress Trails, Jacksonville — a waterfront home in Nocatee.

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Active·Listed today·Cypress Trails

131 Old Carriage Court

Jacksonville, FL 32081

$550,000$250/sqftEst. $2,842/moMLS# 2163979

Beds

Baths

2,199

Sq Ft

2015

Built

Garage

Pool

About this home

Cypress Trails

Exceptionally private setting on a nearly half-acre lot--a true rarity! Beautiful pond and wooded preserve views create a peaceful backdrop for this well-maintained 3-bedroom home plus a private office with French doors. The kitchen features 42'' upper cabinets, granite countertops with California-style tops, a large walk-in pantry and opens seamlessly to an expansive dining area and family room, creating an ideal space for everyday living and entertaining. The kitchen, dining area and family room all take full advantage of the exquisite water and preserve views. The spacious owner's suite offers a large walk-in closet professionally outfitted with custom shelving and storage. The owner's bath features double vanities, a separate shower and a walk-in jetted tub. Ten-foot ceilings and tile flooring throughout the main living areas add to the home's light, open feel. Plantation shutters are found throughout. Enjoy the peaceful surroundings from the large covered and screened porch

Cost to own

Mortgage calculator

Home Price

$550,000

Down Payment: 20%

$110,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,842

Principal & Interest: $2,842

Property taxes (est.): $898

Insurance (est.): $367

Estimated Total Monthly

$4,107

*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$2,842

Property taxesest. at asking price, Duval County$898

HOAbilled annually$33

Estimated total, before insurance$3,773/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,033/yr · $336/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): $4,033/yr

Estimated taxes if purchased at asking price: ~$10,800/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 2015)

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

Solar potential: ~1,735 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