This home is in Jacksonville.

Pending

Pending·247 days on market

1403 Walnut Street

Jacksonville, FL 32206

$517,500$203/sqftEst. $2,639/moMLS# 2118864

Beds

Baths

2,549

Sq Ft

2026

Built

—

Garage

Pool

About this home

Jacksonville

New Home Construction in Historic Springfield ...permit ready for immediate construction. North Florida's most energy efficient builder with over 100 homes in Historic Springfield. This customized San Sebastian plan has 2549 square feet of modern living in the heart of the historic district with 4-bedrooms, loft, 3 ½ bathrooms and 3 porches with projected utility costs of less than $110/mo! It offers a spacious living, dining and gourmet kitchen with a 9' island and walk-in pantry. This custom home boasts two primary bedrooms with large on-suites, both including double vanities, and large walk-in closets. The first-floor primary bedroom also has its own private porch and room for a stackable washer and dryer. The upstairs primary suite also allows for a stand-alone tub and has a separate toilet room. In addition to the spacious primary suite upstairs, you will find a large loft, a perfect get-away space for TV, a study, office or kids' playroom plus two more bedrooms.

Cost to own

Mortgage calculator

Home Price

$517,500

Down Payment: 20%

$103,500

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,639

Principal & Interest: $2,639

Property taxes (est.): $845

Insurance (est.): $345

Estimated Total Monthly

$3,829

*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$2,639

Property taxesest. at asking price, Duval County$845

Estimated total, before insurance$3,484/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$994/yr · $83/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).

Cost to own

Taxes & assessment

Last sold: $55,000 in April 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$56,018	$56,018	—
2024	$56,018	$56,018	—

2025 property taxes (current owner): $994/yr

Estimated taxes if purchased at asking price: ~$10,100/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 2026)

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

Solar potential: ~1,711 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.