I live in Jax, and you will be 2.5 hrs from the parks depending on where you stay and how fast you drive. If you want to make it into a Disney Parking in 2 hrs. from 95 & 295, you will need to do about 85. I suggest you stop south of 295. In the areas between downtown and there, it's hit and miss on the neighborhoods. (Baymeadows is nice.) I wouldn't stay off Emerson or University. I'd pass 295, especially if I were driving during rush hour the next morning. Blanding and 295 is a good area (Orange Park), but I doubt you'll be going that way.
Get gas in Jax before you continue. The prices between us and Disney along the highway are usually high. Disney Hess runs 3-5 cents less than our cheap gas, though.
Good pit stops are easy to find on 95, but not on Hwy 4. Here are our top picks.
Palm Coast - lots of stuff
Daytona McDonald's right before you get to hwy 4. When you exit the lot, turn
RIGHT instead of going back to 95. This will lead you to hwy 4 (about 2 or 3 miles?). This McDonald's is consistently clean, and hwy 4 doesn't have lots of options.
On 4 (believe it's 111B), after Deltona there is an exit with an A and a B. we take the one that has RaceTrac.
Before but near Orlando rest area - There's quite a bit of Orlando to get through, and this is the last easy restroom stop. We've learned to stop here even if no one thinks they need it, because if they don't, by the time we get through Orlando, someone is in need.
I drive Jax to Disney weekly and am heading there tomorrow. I will try to remember to make some additional notes to help people driving through.