Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville — a new construction home in Jacksonville.

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Active

Active·9 days on market

1039 Egret Branch Way

Jacksonville, FL 32218

$254,000$157/sqftEst. $1,307/moMLS# 2109703

Beds

Baths

1,615

Sq Ft

2025

Built

Garage

Pool

About this home

Jacksonville

Lot #5. EGRET CREEK opens one of Jacksonville's most exciting and rare opportunities for homebuyers who want everything at their fingertips. The brand-new community's townhomes are situated just 10 minutes from downtown Jacksonville. Interstate 95 is barely a mile away, offering effortless access to the best of North Florida—from professional sports to JAX beaches—all within 20 minutes. River City Marketplace bustles just a few miles from home with major retailers and popular eateries. Everyday conveniences are all within 3.5 miles. Residents enjoy stunning views of Trout Creek across the street, with multiple boat ramps for paddling or fishing.

Cost to own

Mortgage calculator

Home Price

$254,000

Down Payment: 20%

$50,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,307

Principal & Interest: $1,307

Property taxes (est.): $415

Insurance (est.): $169

Estimated Total Monthly

$1,891

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,307

Property taxesest. at asking price, Duval County$415

HOAbilled monthly$166

Estimated total, before insurance$1,888/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.

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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2025)

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

Solar potential: ~1,059 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 August 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