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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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

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Sold

Sold·Closed Jul 22, 2026·127 days on market·Recent sales in Jacksonville

11082 Pine Street

Jacksonville, FL 32218

$232,000sold priceListed at $229,999 · 100.9% of asking$193/sqftMLS# 2127407
3
Beds
2.5
Baths
1,200
Sq Ft
2025
Built
1
Garage
No
Pool
FEMA Zone XNo HOA3,920 sqft lotSingle Family Residence2 storiesNew construction

About this home

Jacksonville

Now offering 4.25% interest rate with preferred lender! New asphalt road coming soon! Affordable new construction MOVE-IN READY and packed with upgrades at an unbeatable price! This stunning 3-bedroom, 2-bath home features a garage, no HOA, and sits among other brand-new homes. Enjoy a bright, open floor plan with taller ceilings, abundant natural light, luxury vinyl plank flooring, elegant dark cabinetry, quartz countertops, stainless steel appliances, and a spacious kitchen island perfect for entertaining. Refrigerator included! Ideal for first-time buyers, savvy investors, or anyone seeking modern, move-in ready living. Prime location near I-95, Jacksonville Zoo, top dining, River City Marketplace, Town Center, and just 20 miles to Jacksonville Beach. Close to Kings Bay, NAS Jax, JAX Airport, and major distribution hubs. Call today for open house tours and discover your dream home! Not the perfect one? We have more options!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,285
Property taxesest. at asking price, Duval County$379
Estimated total, before insurance$1,664/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$232,000
$46,400
Loan Term
Monthly Payment
$1,285
Principal & Interest: $1,285
Property taxes (est.): $379
Insurance (est.): $155
Estimated Total Monthly
$1,819
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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: material not specified — year not disclosed (home built 2025)

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

Solar potential: ~1,026 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.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:26 AM, sunset 7:00 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

Last sold: $39,900 in February 2024(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$12,460$12,460▲ $4,984
2024$7,476$7,476—

2025 property taxes (current owner): $221/yr

Estimated taxes if purchased at asking price: ~$4,500/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

  • Jul 28, 2026Closed$229,999
  • Jan 28, 2026Listed$229,999

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 $208/sq ft; this home is listed at $192/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
11088 Pine Street, Jacksonville, FL 32218Listed by CRYSTAL CLEAR REALTY, LLCAug 2026$232,000$1933/2.51,200320
12312 Pulaski Road, Jacksonville, FL 32218Listed by SAVVY AVENUE, LLC.Jul 2026$185,000$1753/11,056271.9
11264 Princessa Lane, Jacksonville, FL 32218Listed by MARK SPAIN REAL ESTATEJul 2026$200,000$2083/1.5960152
11506 Renne Drive E, Jacksonville, FL 32218Listed by COLDWELL BANKER ANABASIS REALTYJun 2026$240,000$2173/21,108342
11278 Princessa Lane, Jacksonville, FL 32218Listed by WATSON REALTY CORPJun 2025$245,000$2113/1.51,16022
11214 Emuness Road, Jacksonville, FL 32218Listed by UNITED REAL ESTATE GALLERYAug 2026$239,000$2043/1.51,17092.1

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

Price$229,999
Price / Sq Ft$192
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,200
Total Structure Area1,400 sq ft
Acres0.09 acres
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary, Ranch, Traditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo
New ConstructionYes
Direction FacesEast

School Information

ElementarySan Mateo
MiddleOceanway
HighFirst Coast

Community Information

Address11082 Pine Street, Jacksonville, FL 32218
Area095-San Mateo/Eastport
SubdivisionRoberts
CityJacksonville
CountyDuval
StateFL
Zip Code32218
Lot Size3,920.4 sq ft
Lot Dimensions50 x 120
Parcel Number1110410030
ZoningResidential

Amenities

UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available
Water SourceWell
ParkingAttached, Garage
ViewTrees/Woods, Other

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Cooktop, Electric Oven, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Vinyl
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

Exterior

Lot DescriptionCleared, Cul-De-Sac, Dead End Street, Few Trees
Patio / PorchPatio, Porch
ConstructionComposition Siding
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJanuary 28, 2026
Days on Market127
Tax Amount$221.05
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: CRYSTAL CLEAR REALTY, LLC

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 22, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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