This home is in Jacksonville.
Active Under Contract·32 days on market
10312 Benson Lake Drive
Jacksonville, FL 32222
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
**Motivated Seller 2.375% FHA Assumable Mortgage | $5K towards closing costs for contracts by 10/15/26** Don't miss out on this beautiful townhome located in the NO CDDs Longleaf community. Longleaf offers two swimming pools: a resort-style pool and a lap pool, along with a fitness center, catch and release fishing pond, playground, with a cost effective monthly HOA! This modern home is nearly new for a 2020 build, and features a sleek kitchen with quartz countertops, spacious 42'' white cabinets, and a full suite of Frigidaire stainless steel appliances: a range stove, dishwasher, microwave, and refrigerator. You can enjoy the clean look of ceramic tile flooring in the main living areas with window treatments throughout, a pre-wired security system, and a screened lanai. This unit is tenant occupied. **Photos are enhanced by AI to show an empty space. Unit will show differently in-person.**
Next steps in Jacksonville
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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: material not specified — year not disclosed (home built 2020)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,743 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 homeAs 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $4,208/yr
Estimated taxes if purchased at asking price: ~$4,300/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
- Oct 9, 2026Active Under Contract$221,000
- Sep 15, 2026Price change$221,000−$8,000
- Sep 9, 2026Listed$229,000
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 $149/sq ft; this home is listed at $140/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 10364 Benson Lake Drive, Jacksonville, FL 32222Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $215,500 | $139 | 2/2.5 | 1,553 | 39 | 0.1 |
| 10356 Alder Creek Lane, Jacksonville, FL 32222Listed by UNITED REAL ESTATE GALLERY | Sep 2026 | $242,000 | $154 | 3/2.5 | 1,574 | 12 | 0.2 |
| 9396 Grand Falls Drive, Jacksonville, FL 32244Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $225,000 | $148 | 3/2.5 | 1,516 | 29 | 1.4 |
| 8629 Ribbon Falls Lane, Jacksonville, FL 32244Listed by MOMENTUM REALTY | May 2026 | $238,000 | $149 | 3/2.5 | 1,600 | 3 | 1.4 |
| 575 Oakleaf Plantation Parkway 916, Orange Park, FL 32065Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $135,000 | $117 | 2/2 | 1,150 | 184 | 2.2 |
| 575 Oakleaf Plantation Parkway 1502, Orange Park, FL 32065Listed by EXIT INSPIRED REAL ESTATE | Sep 2026 | $185,000 | $167 | 2/2.5 | 1,110 | 122 | 2.2 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY
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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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 home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines