Selling a home in the Jacksonville area

Selling a home in the Jacksonville area

The Jacksonville metro spans Duval, St. Johns, Clay, Nassau and Baker counties, and each county has its own property appraiser, tax rates and flood maps. Here is what a seller should check first, with each figure linked to its source.

Facts checked September 30, 2026. Sources linked below each figure.

Start with your property appraiser record

Jacksonville and Duval County share one consolidated government, so the Duval County Property Appraiser is a City of Jacksonville office on jacksonville.gov. If your home is in St. Johns, Clay, Nassau or Baker County, use that county's property appraiser instead, such as the St. Johns County Property Appraiser or the Baker County Property Appraiser.

In Duval, the Truth in Millage (TRIM) notice is mailed in mid to late August. It is not a bill: it shows your market, assessed and taxable values, your exemptions and the proposed rates. Its mailing starts a 25 day window to petition the Value Adjustment Board (Duval County Property Appraiser). The appraiser sets values but does not set rates or collect taxes.

Your location inside Duval matters. For the 2025 tax year, most of Jacksonville paid 17.7412 mills in total, while Jacksonville Beach paid 18.4452, Atlantic Beach 17.2004, Neptune Beach 17.8161 and Baldwin 18.9701 (2025 Final Millages). Other counties in the metro publish their own rates.

When your taxes are prorated

Florida taxes are paid in arrears. Bills are due November 1, carry a 4% discount if paid in November, and become delinquent April 1 of the next year (Florida Statutes 197.333, 197.162). If you close before the bill is out, your title agent or attorney usually estimates the year's tax and credits the buyer for your share, as the contract directs. Ask how they estimated it.

The other large government charge at closing is the documentary stamp tax on the deed: 70 cents per $100 of the price in every county in this metro (Florida Department of Revenue). On a $350,000 sale that is about $2,450 (estimate). Sellers customarily pay it, but who pays is set by your contract. Our Florida seller closing costs guide walks through the other costs you may see.

Flood and insurance questions buyers ask

Duval County sees coastal, inland and river flooding, most often in the June to November rainy season (City of Jacksonville). Florida requires you to give a written flood disclosure at or before contract signing, covering flood damage you know of, flood insurance claims and federal flood assistance you received (Florida Statutes 689.302).

Have these ready:

• Flood zone. Search your address on FEMA's Flood Map Service Center.
• Elevation certificate. For Duval homes, the city's Development Services Division provides flood zone determinations and copies of available elevation certificates (City of Jacksonville). Outside Duval, ask your county's floodplain or building office.
• Insurance discount. Jacksonville's Community Rating System Class 6 rating gives flood policies 20% off in a Special Flood Hazard Area and 10% off outside it.
• Claims and repairs. Keep records of any flood claim and the permits for the repair.

Your buyer does not inherit your tax cap

A Florida homestead exemption can cut taxable value by as much as $50,000 (Florida Department of Revenue), and Save Our Homes keeps a homestead's assessed value from rising more than 3% or CPI in a year, whichever is lower. Duval's appraiser says that at the end of the sale year your exemptions and cap are removed and the home gets a new value based on market sales (Duval County Property Appraiser); state law reassesses at just value on January 1 after a change of ownership (Florida Statutes 193.155). You must give buyers a property tax disclosure summary saying so (Florida Statutes 689.261). If you buy another Florida homestead, you can usually carry up to $500,000 of your benefit with you within three years (Florida Department of Revenue).

What shapes prices here

The metro grew from 1,605,862 people in the April 2020 estimates base to 1,785,500 in July 2025, and St. Johns County grew fastest in the metro, from 273,426 to 346,328 (Census Bureau). Resales compete with new construction in the fast growing counties. County and city lines, school zones, flood zone, distance to the beaches or the river, and condition all move price. A licensed local agent can pull comparable sales, and the net proceeds calculator helps you see what you keep. This is general information, not legal or tax advice.