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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 — a new construction home in Jacksonville.

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Pending

Pending·36 days on market

3563 Mildred Way Lot 40

Jacksonville, FL 32254

$279,900$153/sqftEst. $1,550/moMLS# 2097510
↓ $10,000 below original list
4
Beds
2.5
Baths
1,826
Sq Ft
2024
Built
2
Garage
No
Pool
FEMA Zone XHOA $33/moSingle Family Residence2 storiesNew construction

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville

Ask about incentives! Discover the perfect blend of comfort and style. This stunning two-story home offers 1,826 sq. ft. of thoughtfully designed living space, featuring 4 spacious bedrooms and 2.5 baths. The main floor boasts an open concept providing convenience and accessibility, living area is ideal for entertaining. The kitchen is well equipped, complete with granite countertops, a full appliance suite, and plenty of storage space. Enjoy the elegance of wood-look tile throughout the main living areas and the cozy comfort of carpeted bedrooms. With peace of mind from the builder warranty and closing cost assistance available, moving into your dream home has never been easier. Schedule your tour today and experience the Azalea floorplan firsthand!

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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$1,550
Property taxesest. at asking price, Duval County$457
HOAbilled annually$33
Estimated total, before insurance$2,041/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$279,900
$55,980
Loan Term
Monthly Payment
$1,550
Principal & Interest: $1,550
Property taxes (est.): $457
Insurance (est.): $187
Estimated Total Monthly
$2,194
*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.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

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

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

Solar potential: ~1,462 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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

Ask about this home

As of July 2026, 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

YearMarket valueTaxable valueChange
2025$55,000$55,000—
2024$55,000$55,000—

Estimated taxes if purchased at asking price: ~$5,500/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.

History

Price & status history

  • Sep 22, 2026Price change$279,900+$10,000
  • Sep 18, 2026Price change$269,900−$10,000
  • Sep 4, 2026Active$279,900
  • Sep 2, 2026Pending$279,900
  • Aug 7, 2026Price change$279,900−$5,000
  • Jul 28, 2026Price change$284,900−$3,000
  • Jul 11, 2026Price change$287,900−$2,000
  • Jul 8, 2025Listed$289,900

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 $160/sq ft; this home is listed at $153/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3552 Mildred Way, Jacksonville, FL 32254Listed by WJH BROKERAGE FL LLCAug 2026$314,990$1604/2.51,9651510
3572 Mildred Way, Jacksonville, FL 32254Listed by WJH BROKERAGE FL LLCAug 2026$284,888$1454/2.51,965530
3543 Mildred Way, Jacksonville, FL 32254Listed by WJH BROKERAGE FL LLCSep 2026$255,000$1753/21,4553230.1
3535 Mildred Way, Jacksonville, FL 32254Listed by WJH BROKERAGE FL LLCJul 2026$300,000$1534/2.51,9652240.1
5610 Tomahawk Lake Drive, Jacksonville, FL 32254Listed by AXEN REALTY LLCAug 2026$345,025$1594/32,17080.4
5663 Tomahawk Lake Drive, Jacksonville, FL 32254Listed by AXEN REALTY LLCSep 2026$336,997$1634/32,0701290.5

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$279,900
Price / Sq Ft$153
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,826
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUnder Construction
StatusPending
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

Community Information

Address3563 Mildred Way Lot 40, Jacksonville, FL 32254
Area075-Trout River/College Park/Ribault Manor
SubdivisionKings Landing
CityJacksonville
CountyDuval
StateFL
Zip Code32254
Parcel Number083444-0365

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewWater

Interior

Interior FeaturesKitchen Island, Pantry, Primary Downstairs, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
RoofShingle
ConstructionComposition Siding

Additional Information

Date ListedSeptember 4, 2026
Days on Market435
HOA Fees$400 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE

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

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

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