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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville.

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Active

Active·1 day on market

4908 Key Lime Drive 207

Jacksonville, FL 32256

$189,990$166/sqftEst. $1,006/moMLS# 2165849
3
Beds
2
Baths
1,145
Sq Ft
2012
Built
Garage
No
Pool
FEMA Zone XHOA $296/moCondominium1 story

About this home

Jacksonville

Beautifully Updated Jacksonville Condo! This inviting 3-bedroom, 2-bathroom condominium offers 1,145 sq. ft. of comfortable living space with a clean, modern feel. Enjoy laminate flooring throughout with no carpet, creating a sleek look and easy-care lifestyle. Both bathrooms have been thoughtfully updated, featuring renovated showers with stylish glass doors and panels. The newer washer and dryer, less than two years old, add everyday convenience. The functional 3-bedroom layout provides plenty of flexibility for comfortable living, guests, or a home office. Residents also enjoy access to a community Fitness Center. With its attractive updates, modern finishes, and convenient amenities, this Jacksonville condo offers an excellent opportunity to enjoy low-maintenance living in a welcoming community. Schedule your showing today!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.95% · 30yr$1,006
Property taxesest. at asking price, Duval County$310
HOAbilled monthly$296
Estimated total, before insurance$1,612/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,152/yr · $263/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$189,990
$37,998
Loan Term
Monthly Payment
$1,006
Principal & Interest: $1,006
Property taxes (est.): $310
Insurance (est.): $127
Estimated Total Monthly
$1,443
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

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 2012)

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

Solar potential: ~1,796 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,152/yr

Estimated taxes if purchased at asking price: ~$3,700/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

  • Sep 21, 2026Listed$189,990

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

Features

Price$189,990
Price / Sq Ft$166
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,145
Year Built2012
TypeResidential
Sub-TypeCondominium
StatusActive
Has PoolNo
Is WaterfrontNo

Community Information

Address4908 Key Lime Drive 207, Jacksonville, FL 32256
Area024-Baymeadows/Deerwood
SubdivisionSummer Key Condos
CityJacksonville
CountyDuval
StateFL
Zip Code32256
Parcel Number1479842920

Amenities

AmenitiesFitness Center
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingAssigned

Interior

AppliancesDishwasher, Dryer, Refrigerator, Washer
HeatingElectric
CoolingCentral Air
FlooringLaminate
# of Stories1
LaundryIn Unit

Additional Information

Date ListedSeptember 21, 2026
Days on Market0
HOA Fees$296 / Monthly
HOA FrequencyMonthly
Tax Amount$3,151.85
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: LA ROSA REALTY NORTH FLORIDA, LLC. · sobulreddy99@gmail.com

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.

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

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