No CDD fees but higher Duval County millage — what the net math shows
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Talk to a Specialist →| Cost Component | Monthly (est.) | Annual (est.) | Notes |
|---|---|---|---|
| HOA | ~$280–$340/mo | ~$3,360–$4,080/yr | Covers eTown amenity campus; no indoor pool vs Nocatee |
| CDD fee | None | None | eTown is in Duval County — no Nocatee CDD applies |
| Duval County property tax | ~$790–$915/mo | ~$9,500–$11,000/yr | After $50K homestead on $500K home; ~19–21 mills |
| Homeowners insurance | ~$250–$375/mo | ~$3,000–$4,500/yr | Jacksonville inland estimate; slightly lower than coastal |
| Utilities | ~$200–$300/mo | ~$2,400–$3,600/yr | Jacksonville suburban estimate |
| Total Annual Housing Cost (ex-mortgage) | ~$18,260–$23,180/yr · ~$1,522–$1,932/mo | ||
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Florida's Save Our Homes amendment caps your assessed value growth at 3%/year after year one of primary residency. In year one you pay tax close to purchase price. By year 10, if your home has appreciated 30–40%, your assessed value is capped 20–30% below market. By year 20, the gap between your taxable assessed value and actual market value can be $150,000–$300,000 on a well-appreciated home — saving $2,000–$4,000+/year vs what a new buyer pays. This is the single most powerful long-term property tax advantage of Florida primary residency, and it applies to every community on this page.
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