This home is in Jacksonville.

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Pending

Pending·483 days on market

8397 Horsebit Circle Lot 278

Jacksonville, FL 32219

$319,899$155/sqftEst. $1,631/moMLS# 2078206

Beds

Baths

2,066

Sq Ft

2024

Built

Garage

Pool

About this home

Jacksonville

Discover the perfect blend of style, comfort, and functionality in the thoughtfully designed Redbud floorplan. This stunning two-story home offers 2,066 sq. ft. of living space, featuring 4 bedrooms, 3 full baths, and a versatile loft—ideal for a home office, playroom, or additional living area. Step inside to discover the beauty of wood-look tile flooring throughout the main areas, complemented by cozy carpeted bedrooms. The heart of the home is the modern kitchen, featuring stunning granite countertops, a full appliance suite, and ample space for meal prep and gatherings. Relax and unwind on your cover back patio. The two-car garage adds convenience, while the builder warranty ensures peace of mind for years to come. Plus, take advantage of closing cost assistance to make your dream of homeownership even more achievable. Experience the perfect blend of style, comfort, and value with the Redbud floorplan by Breeze Homes.

Cost to own

Mortgage calculator

Home Price

$319,899

Down Payment: 20%

$63,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,631

Principal & Interest: $1,631

Property taxes (est.): $522

Insurance (est.): $213

Estimated Total Monthly

$2,367

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$1,631

Property taxesest. at asking price, Duval County$522

HOAbilled quarterly$86

Estimated total, before insurance$2,239/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$55,000	$55,000	—

Estimated taxes if purchased at asking price: ~$6,300/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2024)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.