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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville.

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Sold

Sold·Closed Feb 6, 2026·193 days on market·Recent sales in Over 55 & Active Adult

11231 Saddle Crest Way

Jacksonville, FL 32219

$455,000sold priceListed at $450,000 · 101.1% of asking$185/sqftMLS# 2094009
4
Beds
3
Baths
2,456
Sq Ft
2009
Built
2
Garage
No
Pool
HOA $73/mo1.93 acresSingle Family Residence1 story

About this home

Jacksonville

Country Living at it's Best in the Prestigious Jacksonville Ranch Club! Escape to this Beautiful Well-Maintained Four-Bedroom, Three-Bathroom Estate Home. Sitting on nearly Two Acres of Land, this Home has a wonderful Open Floor Plan perfect for Entertaining and everyday living. Enjoy the Screened Rear Porch or step out to the established lush gardens to an assortment of vegetables and blueberries, blackberries, lemon, loquat, nectarine and apple trees all backed up to a private wooded preserve. The house has been recently painted along with new flooring. There is a newer Water Heater and updated sprinkler system and the Aerobic Septic System. The Shed in the back of property is NEW and will stay with the Property. Come make this beautiful house your HOME and experience the best of rural living in a secure and prestigious gated community. The Jacksonville Ranch Club is an easy drive to I-295 to make a short commute to Downtown, the Beaches or the Jacksonville International Airport.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,520
Property taxesest. at asking price, Duval County$743
HOAbilled annually$73
Estimated total, before insurance$3,336/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,122/yr · $343/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$455,000
$91,000
Loan Term
Monthly Payment
$2,520
Principal & Interest: $2,520
Property taxes (est.): $743
Insurance (est.): $303
Estimated Total Monthly
$3,567
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 2009)

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

Solar potential: ~1,706 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $4,122/yr

Estimated taxes if purchased at asking price: ~$8,900/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, NEFMLS.

History

Price & status history

  • Jun 18, 2025Listed$450,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $164/sq ft; this home is listed at $183/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
11254 Saddle Club Drive, Jacksonville, FL 32219Listed by ZEE LUXE REALTY INCJun 2026$645,000$2113/3.53,0542700.5
6221 Rein Avenue, Jacksonville, FL 32219Listed by LENNAR REALTY INCAug 2026$308,484$1644/2.51,8791771.6
6214 Rein Avenue, Jacksonville, FL 32219Listed by LENNAR REALTY INCJun 2026$308,485$1644/2.51,879731.6
6227 Rein Avenue, Jacksonville, FL 32219Listed by LENNAR REALTY INCMay 2026$337,985$1465/2.52,318631.6
9251 Spider Lily Lane, Jacksonville, FL 32219Listed by KELLER WILLIAMS REALTY AT THE LAKESJun 2026$322,000$1554/22,075102
9486 Lovage Lane, Jacksonville, FL 32219Listed by OCCUPY REAL ESTATE GROUP, LLC.Jun 2026$335,000$1674/32,0061072.1

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$450,000
Price / Sq Ft$183
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,456
Acres1.93 acres
Year Built2009
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address11231 Saddle Crest Way, Jacksonville, FL 32219
Area082-Dinsmore/Northwest Duval County
SubdivisionJacksonville Ranch Club 2
CityJacksonville
CountyDuval
StateFL
Zip Code32219
Lot Size84,070.8 sq ft
Parcel Number0026511745

Amenities

UtilitiesElectricity Connected, Water Connected
SewerAerobic Septic
Water SourcePrivate, Well
ParkingGarage, Garage Door Opener
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms
AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile, Vinyl
# of Stories1
LevelsOne
SecuritySecurity Gate

Exterior

Lot DescriptionCorner Lot, Wooded
Patio / PorchRear Porch
FencingVinyl
RoofShingle
ConstructionStucco
Other StructuresShed(s)
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJune 18, 2025
Days on Market193
HOA Fees$875 / Annually
HOA FrequencyAnnually
Tax Amount$4,121.52
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MOMENTUM REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Feb 6, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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