Cottage / Storybook home in Jacksonville, FL
A Cottage home in Jacksonville, FL, it offers 4 bedrooms and 2 bathrooms across 1,248 square feet. The listing highlights a fireplace. The Cottage styling carries through the home's design.
| Price | $345,000 |
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| Beds | 4 |
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| Baths | 2 |
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| Sqft | 1248 |
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| Architectural style | Cottage / Storybook (45% match) |
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| Address | 3048 Lorman Drive, Jacksonville, FL 32223 |
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Why buy this home
- Confirmed Cottage / Storybook architecture, matched from the listing photos by Enzo's vision model.
- Features: fireplace.
- Links directly to the original source listing on Estately.
Is this a good buy?
Priced above comparable homes.
- At $345K, this home is 50% above the $230K median for 286 similar Cottage / Storybook homes in Jacksonville, FL.
- That works out to $276 per square foot, 52% above the $182 comparable rate.
- On the market 8 days.
| This home | $345,000 |
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| Cottage / Storybook median in Jacksonville, FL | $230,000 (286 homes) |
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| Price per sq ft | $276 vs. $182 comps median |
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Enzo's reads public listing data and links to the original source. Confirm condition, HOA, taxes and fees there. This is a signal, not advice.
What it costs to own
Estimated at $2,279/month with 20% down at a 7.28% 30-year fixed rate. You would need about $97,690 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $1,888/mo |
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| Property tax (new-buyer reassessed rate) | $262/mo |
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| Homeowners insurance | $129/mo |
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| Total monthly | $2,279/mo |
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| Down payment (20%) | $69,000 |
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| Income needed | $97,690/yr |
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A signal to compare homes, not financial advice or a loan offer.
Financial outlook (modeled)
Enzo's grades this home C+ (64 out of 100) over a 5-year hold, from a Monte-Carlo of local home-price dynamics and the interest-rate path versus renting.
| Grade | C+ (64/100) |
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| Beats renting in | 15% of modeled paths |
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| Modeled 5-yr equity (median) | $169,762 |
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| Range (10th to 90th pct) | $99,831 to $247,745 |
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A probabilistic model built on public data (Zillow ZHVI, FRED rates), not a guarantee or financial advice. Local price dynamics are pooled toward Jacksonville, FL where local data is thin.
Local home values
Typical home values in Jacksonville, FL have risen about 18% over the past 5 years (0% in the last year), per the Zillow Home Value Index. This reflects the metro market, not this specific home.
View this home on Estately