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This home is in Kensington Gardens, Jacksonville.

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Active·Listed today·Kensington Gardens

2163 St Martins Drive W

Jacksonville, FL 32246

$540,000$189/sqftEst. $2,805/moMLS# 2164335

Beds

Baths

2,855

Sq Ft

1993

Built

—

Garage

Pool

About this home

Kensington Gardens

Rare opportunity in the beautiful, established Kensington community! This spacious 4-bedroom, 2-bath home features a fully permitted attached ADU, ideal for multigenerational living, extended family, guests, or flexible additional space. The main home offers a NEW 2026 ROOF, open-concept kitchen and living area, soaring ceilings, wood-burning fireplace, generously sized bedrooms, and attached 2-car garage. Enjoy the fully fenced backyard with plenty of room to relax and entertain. The private ADU features its own entrance, kitchen, washer/dryer hookups, and bathroom with walk-in shower, providing excellent privacy and functionality. Ready for cosmetic updates, this home offers an exciting opportunity to personalize and make it your own. Conveniently located minutes from Jacksonville beaches, St. Johns Town Center, Downtown, shopping, dining, and the airport. Don't miss this unique opportunity!

Cost to own

Mortgage calculator

Home Price

$540,000

Down Payment: 20%

$108,000

Interest Rate: 6.76%

Loan Term

Monthly Payment

$2,805

Principal & Interest: $2,805

Property taxes (est.): $882

Insurance (est.): $360

Estimated Total Monthly

$4,047

*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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 · 6.76% · 30yr$2,805

Property taxesest. at asking price, Duval County$882

HOAbilled annually$73

Estimated total, before insurance$3,759/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,849/yr · $321/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

Year	Market value	Taxable value	Change
2025	$451,095	$185,928	—
2024	$436,530	$179,840	—
2023	$436,955	$173,000	—
2022	$403,302	$166,360	—
2021	$320,766	$159,913	—
2020	$302,793	$156,946	—

2025 property taxes (current owner): $3,849/yr

Estimated taxes if purchased at asking price: ~$10,600/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 (2025), NEFMLS.

History