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This home is in Jacksonville — a gated community home in Jacksonville.

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Active

Active·177 days on market

4442 Rock Creek Circle

Jacksonville, FL 32246

$336,500$159/sqftEst. $1,735/moMLS# 2129943

Beds

Baths

2,121

Sq Ft

2005

Built

Garage

Pool

About this home

Jacksonville

Fully renovated end-unit townhome located in the exclusive gated community of Georgetown at St. Johns Town Center. This spacious and luxurious 3-story end unit is within walking distance to Publix and the St. Johns Town Center mall, and conveniently located near the beaches, UNF, major interstates, NS Mayport, NAS Jax, Costco, and IKEA. The second floor features an open floor plan with a gourmet, eat-in kitchen offering new granite countertops, freshly painted cabinets, 42'' cabinetry, new tile flooring, new single-compartment sink, new dishwasher, and new microwave. The kitchen opens to a wooden deck balcony overlooking a wooded preserve and flows into a spacious living and dining area with new wood laminate flooring and a new ceiling fan, plus a half bath. The third floor offers two suites, including a primary suite and a second bedroom. All bathrooms have new tile flooring and new toilets, and the upper-level bathrooms also feature new granite countertops, freshly painted

Cost to own

Mortgage calculator

Home Price

$336,500

Down Payment: 20%

$67,300

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,735

Principal & Interest: $1,735

Property taxes (est.): $549

Insurance (est.): $224

Estimated Total Monthly

$2,509

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,735

Property taxesest. at asking price, Duval County$549

HOAbilled monthly$436

Estimated total, before insurance$2,721/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,470/yr · $456/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	$307,164	$307,164	—
2024	$298,471	$285,396	—
2023	$294,488	$259,451	—
2022	$273,842	$235,865	—
2021	$214,423	$214,423	▼ $8,201
2020	$215,923	$215,923	—

2025 property taxes (current owner): $5,470/yr

Estimated taxes if purchased at asking price: ~$6,600/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2005)

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

Sewer (public record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,676 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

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

Price & status history

Feb 13, 2026Listed$336,500

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$336,500

Price / Sq Ft$159

Bedrooms3

Bathrooms3.00

Full Baths2

Half Baths2

Square Footage2,121

Acres0.09 acres

Year Built2005

TypeResidential

Sub-TypeTownhouse

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Community Information

Address4442 Rock Creek Circle, Jacksonville, FL 32246

Area023-Southside-East Of Southside Blvd

SubdivisionGeorgetowne

CityJacksonville

CountyDuval

StateFL

Zip Code32246

Lot Size3,920.4 sq ft

Parcel Number1677273570

ZoningRecreational

Amenities

AmenitiesPool, Fitness Center

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage, Garage Door Opener, Guest

ViewTrees/Woods, Other

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Wood

# of Stories3

LevelsThree Or More

LaundryIn Unit

SecuritySecurity Gate, Smoke Detector(s)