This home is in Jacksonville.
Active·303 days on market
16640 Cody Creek Court
Jacksonville, FL 32226
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
VA BUYERS -- A 4.75% VA LOAN ASSUMPTION OPPORTUNITY LIKE THIS DOESN'T COME AROUND OFTEN. A qualified VA-eligible buyer may be able to assume the seller's existing 4.75% VA loan with approximately a 12% equity contribution, subject to lender/VA approval, buyer qualification, sufficient VA entitlement for substitution, and the final loan balance at closing. And the financing opportunity is only the beginning. Built in 2022, this 5-bedroom, 3-bath home offers 2,782 square feet of thoughtfully designed living space in the boutique Eagle Bend/Hidden Bluff community. Instead of waiting months for new construction--or paying additional costs for upgrades--you can move into a nearly new home that already has the features buyers are looking for. The open-concept main level features 9-foot ceilings, luxury vinyl plank flooring, quartz countertops, 42-inch soft-close cabinetry, stainless steel appliances, and a large breakfast bar designed for everyday living and entertaining.
Next steps in Jacksonville
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — year not disclosed (home built 2022)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,341 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 homeAs 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
Last sold: $425,000 in November 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $382,890 | $332,168 | — |
| 2024 | $383,545 | $333,545 | ▲ $1,304 |
| 2023 | $422,180 | $422,180 | — |
| 2022 | $50,000 | $50,000 | — |
2025 property taxes (current owner): $6,440/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 (2025), NEFMLS.
History
Price & status history
- Aug 18, 2026Price change$452,900−$7,090
- Dec 11, 2025Listed$459,990
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 $201/sq ft; this home is listed at $164/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 16694 Cody Creek Court, Jacksonville, FL 32226Listed by WATSON REALTY CORP | Jun 2026 | $460,000 | $206 | 3/2.5 | 2,231 | 119 | 0.1 |
| 16361 Magnolia Grove Way, Jacksonville, FL 32218Listed by MOMENTUM REALTY | Jun 2026 | $525,000 | $149 | 5/4 | 3,513 | 5 | 0.3 |
| 16570 Sand Hill Drive, Jacksonville, FL 32226Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jun 2026 | $645,000 | $210 | 4/4 | 3,078 | 102 | 0.4 |
| 16479 McNair Branch Circle, Jacksonville, FL 32218Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Sep 2026 | $429,000 | $201 | 4/3 | 2,139 | 1 | 0.5 |
| 16242 Magnolia Grove Way, Jacksonville, FL 32218Listed by JPAR CITY AND BEACH | Jun 2026 | $372,000 | $142 | 4/2.5 | 2,618 | 6 | 0.5 |
| 16202 Kayla Cove Court, Jacksonville, FL 32218Listed by UNITED REAL ESTATE GALLERY | Jun 2026 | $395,000 | $168 | 4/2.5 | 2,353 | 111 | 0.7 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES 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.
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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 home20+ years · 500+ closings · NE Florida
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