Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$159,500

11411 WHITE BAY Lane, Jacksonville, FL 32225, Jacksonville, FL 32225

Shadow Wood

Price
$159,500
Beds / Baths
2 / 3
Living area
1,292 sqft
Year built
1975
Type
Townhouse
Lot
0.04 ac
Garage
0
HOA
$350/mo
CDD
No
Flood zone
Unknown
County
Duval
Days on market
391

$123/sqft asking, vs a $164/sqft median across 68 closed sales in 32225 over the last 12 months — 25% below the area's closed prices. Home is priced 24.6% below comparable closed sales; seller may be motivated or market conditions warrant verification—consider asking the agent directly why pricing is set lower than recent comps.

Two LARGE Ensuite Bedrooms, each with private bathroom! Maintenance free exterior, HOA covers Siding, roof, community upkeep. First Time Home Owners, less than paying rent!! LOVELY Light and bright townhome in perfect location! This gem is one of a kind, and the location is close to everything! There are a ton of upgrades. Outside fresh painted in 2024. Inside 2022 upgrades include new flooring (LVP) replumbed, all new toilets, and vanities in all 3 bathrooms, textured ceiling, New hardware on closets, all new faucets and door handles. Roof was 2020, HVAC in 2021, electrical panel updated in 2022. A great floorplan as the two huge upstairs bedrooms both have their own private bathroom, and closets! Ready for your new place in the new year?

What to check on this one

  • Verify roof age claim (2020) with inspector; confirm insurance eligibility at 4+ years
  • Obtain HOA documents: reserve study, financial statements, special assessments pending
  • Request flood zone determination letter; check FEMA map for AE/VE designation
  • Confirm replumbing scope (1975 cast-iron risk); get plumber letter on remaining lines
  • Review electrical panel update (2022) scope and permits filed with city

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$828/mo
Property tax (1.1% eff., Duval Co.)$146/mo
Homeowners insurance (est.)$292/mo
HOA$350/mo
All-in monthly (est.)$1,616/mo

Loan $127,600 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of CATTAR REALTY, INC.. Data via realMLS (Northeast Florida MLS), updated Aug 31, 2026, 10:30 AM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.