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·185 days on market

1516 Yelford Circle

Jacksonville, FL 32218

$879,900$211/sqftEst. $4,519/moMLS# 2122841

Beds

Baths

4,180

Sq Ft

—

Built

—

Garage

Pool

About this home

Jacksonville

Three units OCCUPIED Investment Opportunity! Brand new construction by Southern Impression Homes. Both units are currently occupied with leases in place, offering a property with established tenancy at the time of closing. Designed for durability and broad market appeal, this property features an open, modern floor plan, luxury vinyl plank (LVP) flooring throughout, quartz countertops, and contemporary finishes. This home may qualify for special financing, including a 3.75% interest rate (5.068% APR), along with two years of professional property management provided at no cost, subject to terms and conditions. Builder offering limited-time incentives and special financing programs, ask your REALTOR® for complete details. Buyers are encouraged to independently verify all lease terms, property details, and financial considerations. One or more photo(s) may have been virtually staged. Photos are of a model home & may not represent the exact unit. Finishes, features, & layout may vary.

Cost to own

Mortgage calculator

Home Price

$879,900

Down Payment: 20%

$175,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$4,519

Principal & Interest: $4,519

Property taxes (est.): $1,437

Insurance (est.): $587

Estimated Total Monthly

$6,542

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$4,519

Property taxesest. at asking price, Duval County$1,437

Estimated total, before insurance$5,956/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$756/yr · $63/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

Year	Market value	Taxable value	Change
2025	$40,000	$40,000	—
2024	$40,000	$40,000	—

2025 property taxes (current owner): $756/yr

Estimated taxes if purchased at asking price: ~$17,200/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.

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

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

Solar potential: ~1,444 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.

History