This home is in eTown, Jacksonville.

1 / 29

Pending

Pending·178 days on market·eTown

10173 Element Road

Jacksonville, FL 32256

$499,900$217/sqftEst. $2,661/moMLS# 2125845

Beds

Baths

2,300

Sq Ft

2026

Built

Garage

Pool

About this home

eTown

''Final opportunities in Kettering at eTown!'' With detailed exterior trim, soothing colors and stone accents, The Acosta in Villas at Kettering in eTown offers strong curb appeal and character. Step through the 8-foot entry door into a foyer with soaring ceilings and a staircase that sets the tone for this thoughtfully designed home. An open flex space off the entry provides room for a home office or formal dining area. The kitchen features maple latte Kinsdale cabinetry, brushed nickel hardware, quartz countertops, a stainless vent hood and a natural gas cooktop. The expansive island creates a central gathering place that connects to the main living areas. Sliding glass doors extend the space to a fenced backyard with preserve views, supporting indoor and outdoor entertaining. Upstairs, a retreat area offers a quiet place to relax, while a balcony overlooks the trees and backyard. The Owner's Retreat provides privacy and peaceful views, along with a well appointed Owner's Bath.

Cost to own

Mortgage calculator

Home Price

$499,900

Down Payment: 20%

$99,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,541

Principal & Interest: $2,541

Est. Taxes & Insurance: $635

Estimated Total Monthly

$3,176

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,661

Property taxesest. at asking price, Duval County$816

HOAbilled monthly$240

Estimated total, before insurance$3,717/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

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.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.