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

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7059 Deer Lodge Circle 104

Jacksonville, FL 32256

$174,900$130/sqftEst. $904/moMLS# 2164142

Beds

Baths

1,346

Sq Ft

2007

Built

Garage

Pool

About this home

Jacksonville

Welcome to this clean and cozy ground-floor condo in the gated Windsor Falls community! This 3-bedroom, 2-bath home offers 1,346 square feet, a spacious floor plan and the convenience of an attached garage. Recent updates include new flooring and new vanity tops in both bathrooms. One of the best features of this home is the setting. Step outside and enjoy a peaceful pond view surrounded by mature trees, giving the back of the home a quiet, relaxing feel. The layout offers a spacious living and dining area, indoor laundry, generously sized bedrooms and a primary suite with a walk-in closet. Windsor Falls also offers a community pool, fitness center, clubhouse and playground. Conveniently located with easy access to I-95 and JTB, along with shopping, dining, Downtown Jacksonville, St. Johns Town Center and other major areas of Jacksonville. Ground floor, garage, pond view and a great central location--this one is move-in ready and easy to call home!

Cost to own

Mortgage calculator

Home Price

$174,900

Down Payment: 20%

$34,980

Interest Rate: 6.71%

Loan Term

Monthly Payment

$904

Principal & Interest: $904

Property taxes (est.): $286

Insurance (est.): $117

Estimated Total Monthly

$1,306

*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$904

Property taxesest. at asking price, Duval County$286

HOAbilled monthly$532

Estimated total, before insurance$1,721/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$711/yr · $59/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): $711/yr

Estimated taxes if purchased at asking price: ~$3,400/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