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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·2 days on market

2108 Deer Run Trail

Jacksonville, FL 32246

$459,000$288/sqftEst. $2,522/mo mortgageMLS# 2170374
Open house Sun, Oct 25 · 11:00 am–1:00 pm
4
Beds
2
Baths
1,594
Sq Ft
1985
Built
2
Garage
No
Pool
FEMA Zone XHOA $38/mo14,810 sqft lotSingle Family Residence1 story

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville

Welcome to 2108 Deer Run Trail! This beautifully renovated 4-bedroom, 2-bathroom home offers fresh, modern finishes and the peace of mind of a brand-new roof. Step inside to discover fresh interior paint and new luxury vinyl plank flooring throughout the entire home, creating a clean, cohesive look. The updated kitchen features brand-new cabinetry and elegant quartz countertops, while the wet bar area adds an extra touch of style for entertaining. Both bathrooms have been refreshed with new tiled showers and stylish vanities topped with quartz countertops. With extensive updates throughout, this home offers a fresh, inviting feel and the convenience of move-in-ready living. If you're looking for a beautifully updated home with modern finishes and room to make it your own, this Jacksonville property is a must-see!

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$2,522
Property taxesest. at asking price, Duval County$749
HOAbilled annually$38
Estimated total, before insurance$3,309/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,415/yr · $201/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

$459,000
$91,800
Loan Term
Monthly Payment
$2,522
Principal & Interest: $2,522
Property taxes (est.): $750
Insurance (est.): $306
Estimated Total Monthly
$3,578
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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.

Hurricane evacuation zone E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: material not specified — year not disclosed (home built 1985)

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

Solar potential: ~1,798 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 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.

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): $2,415/yr

Estimated taxes if purchased at asking price: ~$9,000/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 22, 2026Listed$459,000

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 $238/sq ft; this home is listed at $288/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
12763 Caribou Court, Jacksonville, FL 32246Listed by KST GROUP LLCOct 2026$340,000$2402/21,41660.2
13020 Medford Lane, Jacksonville, FL 32225Listed by MOMENTUM REALTYSep 2026$349,000$2383/21,464280.7
13130 Everett Court E, Jacksonville, FL 32225Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$340,000$2283/21,488180.8
13208 Grant Logan Lane, Jacksonville, FL 32225Listed by SOVEREIGN REAL ESTATE GROUPSep 2026$315,000$2223/21,422420.8
2494 The Woods Drive E, Jacksonville, FL 32246Listed by MOMENTUM REALTYSep 2026$435,455$2353/21,85020.8
2098 Forest Gate Drive E, Jacksonville, FL 32246Listed by DJ & LINDSEY REAL ESTATEOct 2026$545,000$2664/22,05240.9

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

Price$459,000
Price / Sq Ft$288
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,594
Acres0.34 acres
Year Built1985
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

This listingNo schools reported in the MLS
ElementaryAbess Park, reported on 10 other Indian Springs listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address2108 Deer Run Trail, Jacksonville, FL 32246
Area025-Intracoastal West-North Of Beach Blvd
SubdivisionIndian Springs
CityJacksonville
CountyDuval
StateFL
Zip Code32246
Lot Size14,810.4 sq ft
Parcel Number1652701254

Amenities

UtilitiesSewer Connected, Water Connected
Water SourcePublic
ParkingGarage

Interior

AppliancesDishwasher, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1

Additional Information

Date ListedOctober 22, 2026
Days on Market1
HOA Fees$450 / Annually
HOA FrequencyAnnually
HOA NameIndian Springs Community
Tax Amount$2,414.76
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: GREEN PALM REALTY & PROPERTY MANAGEMENT

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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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

Open Houses

10/25/2026

11:00 am - 1:00 pm