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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$340,000

1378 SUMMIT OAKS Drive W, Jacksonville, FL 32221, Jacksonville, FL 32221

Crystal Creek

Price
$340,000
Beds / Baths
3 / 2
Living area
2,107 sqft
Year built
2004
Type
Residential
Lot
0.18 ac
Garage
2
HOA
$23/mo
CDD
No
Flood zone
Unknown
County
Duval
Days on market
15

$161/sqft asking, vs a $156/sqft median across 616 closed sales in 32221 over the last 12 months — 4% above the area's closed prices. Condition and lot vary; that's what a showing is for.

Discover this charming 3-bedroom, 2-bathroom home offering 2,107 sq ft of comfortable living space. The open-concept layout features a spacious living and dining area that flows into a well-appointed kitchen with ample cabinet space and a convenient breakfast bar. The split-bedroom floor plan provides added privacy, with a generously sized primary suite. Step outside to a spacious backyard, perfect for relaxing, entertaining, or enjoying the Florida lifestyle. Conveniently located near shopping, dining, schools, and major roadways, this move-in-ready home is an excellent opportunity for homeowners and investors alike.

What to check on this one

  • Verify flood zone designation and obtain FEMA flood map; request elevation certificate if AE/VE
  • Confirm roof age and condition; obtain 4-point inspection quote for insurance underwriting
  • Review HOA documents for rental restrictions; verify $23/mo fee and no special assessments pending
  • Request plumbing materials and HVAC age; check for polybutylene or cast-iron lines
  • Verify property taxes, insurance quotes, and HOA fee trend over past 3 years

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$1,764/mo
Property tax (1.1% eff., Duval Co.)$312/mo
Homeowners insurance (est.)$292/mo
HOA$23/mo
All-in monthly (est.)$2,391/mo

Loan $272,000 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 SOVEREIGN REAL ESTATE GROUP. Data via realMLS (Northeast Florida MLS), updated Aug 17, 2026, 8:00 PM.

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.