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This home is in Jacksonville.

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Active

Active·317 days on market

5776 Lagoon Cruise Way

Jacksonville, FL 32234

$322,990$195/sqftEst. $1,647/moMLS# 2108403
3
Beds
2
Baths
1,655
Sq Ft
2026
Built
2
Garage
No
Pool

About this home

Jacksonville

Introducing the Amherst Model plan is a stylish and functional single-story residence, offering 1,655 square feet of thoughtfully designed living space. Featuring three spacious bedrooms and two bathrooms, this home is well-suited for both comfort and convenience. The open-concept layout seamlessly connects the kitchen, dining, and living areas, creating a welcoming environment for daily living and entertaining. High-quality finishes and modern design elements throughout enhance both the aesthetic appeal and practicality of the home. ** Photos are representative of a Amherst Model Floorplan

Cost to own

Mortgage calculator

$322,990
$64,598
Loan Term
Monthly Payment
$1,647
Principal & Interest: $1,647
Property taxes (est.): $527
Insurance (est.): $215
Estimated Total Monthly
$2,390
*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$1,647
Property taxesest. at asking price, Duval County$527
HOAbilled annually$100
Estimated total, before insurance$2,274/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

2024 property taxes (current owner): $500/yr

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, NEFMLS.

Storms & insurance

Florida Reality Check

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

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~1,717 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

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.

History

Price & status history

  • Sep 11, 2025Listed$322,990

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

Features

Price$322,990
Price / Sq Ft$195
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,655
Total Structure Area2,315 sq ft
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch, Traditional
Property ConditionUnder Construction
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes
Direction FacesEast

School Information

ElementaryMamie Agnes Jones
MiddleBaldwin
HighBaldwin

Community Information

Address5776 Lagoon Cruise Way, Jacksonville, FL 32234
Area066-Cecil Commerce Area
SubdivisionDiamond Springs
CityJacksonville
CountyDuval
StateFL
Zip Code32234
Lot Dimensions50x110
Parcel Number002398 0060
ZoningResidential

Amenities

AmenitiesPool, Beach Access, Clubhouse, Dog Park, Gated, Jogging Path, Park, Playground, Water
UtilitiesCable Available, Electricity Available, Sewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached
ViewPond

Interior

Interior FeaturesBreakfast Bar, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDisposal, Electric Oven, Electric Water Heater, Microwave
HeatingCentral, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionCleared
Patio / PorchCovered, Rear Porch
RoofShingle
ConstructionFiber Cement, Wood Siding
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedSeptember 11, 2025
Days on Market318
HOA Fees$1,200 / Annually
HOA FrequencyAnnually
HOA NameBreeze Home/patricial@breezehome.com
HOA Fee IncludesInternet
Tax Amount$500
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: OLYMPUS EXECUTIVE REALTY, INC

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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.

Text Krista about this home

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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