This home is in Jacksonville.
Active Under Contract·10 days on market
5520 Community Oaks Court
Jacksonville, FL 32207
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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Come on in and feel at home! This charming home offers an open floor plan that makes everyday living and entertaining a breeze, plus a Florida room with extra space to relax and unwind. Sitting on a corner lot, the home features fresh paint inside and out, easy-to-maintain LVP flooring, and a one-car garage. Step outside to the newer fenced backyard and patio, where you can fire up the grill, enjoy your morning coffee, or gather with friends and family. And here's the icing on the cake — NO HOA and NO CDD fees! If you're looking for a home with comfortable living space, a great outdoor area, and a little more freedom, this one is worth a look. Come see it for yourself!
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.
Hurricane evacuation zone D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: material not specified — year not disclosed (home built 1984)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer (public record)
County records show this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,638 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 October 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
7th Ave Nabout 15 mi · 34 parking spaces
Closest park or preserve
Tillie K. Fowler Regional Parkabout 4 mi · 4 mi of trails
Closest public boat ramp
Goodby's Creek Boat Rampabout 3 mi · St. Johns River - Goodby's Creek
Closest kayak & paddleboard launch
Nathan Krestul Park Paddlecraft Accessabout 0.9 mi · Christopher Creek
Closest youth league fields
San Jose Elementary School Parkabout 0.2 mi · Baseball, Basketball, Football, Pickleball, Soccer, Softball
Closest grocery store
Publixabout 0.1 mi · 2875 University Blvd W, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $2,849/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
Price & status history
- Oct 25, 2026Active Under Contract$174,900
- Oct 17, 2026Listed$174,900
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 $77/sq ft; this home is listed at $178/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1604 Arcadia Drive 105, Jacksonville, FL 32207Listed by ERA ONETEAM REALTY | Oct 2026 | $94,000 | $81 | 2/2 | 1,155 | 211 | 0.9 |
| 3865 Campenero Court 1, Jacksonville, FL 32217Listed by SPECTRUM REALTY SERVICES | Sep 2026 | $65,000 | $57 | 2/2 | 1,145 | 373 | 0.9 |
| 3878 La Mirada Drive N 3, Jacksonville, FL 32217Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $50,000 | $59 | 1/1 | 845 | 11 | 0.9 |
| 1604 Arcadia Drive 108, Jacksonville, FL 32207Listed by SMILEEHOUSE AUCTION CO LLC | Jun 2026 | $55,000 | $48 | 2/2 | 1,155 | 102 | 0.9 |
| 1604 Arcadia Drive 307, Jacksonville, FL 32207Listed by UNITED REAL ESTATE GALLERY | May 2026 | $89,000 | $77 | 2/2 | 1,155 | 21 | 0.9 |
| 1604 Arcadia Drive 109, Jacksonville, FL 32007Listed by COLDWELL BANKER ANABASIS REALTY | Mar 2026 | $92,850 | $80 | 2/2 | 1,155 | 14 | 0.9 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC
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
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines