This home is in Jacksonville — a gated community home in Jacksonville.
$336,5003 bd · 3 ba · 2,121 sq ft
Active·82 days on market
4442 Rock Creek Circle
Jacksonville, FL 32246
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
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
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.
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.
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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
7th Ave Sabout 8 mi · 27 parking spaces
Closest park or preserve
Dutton Island Preserveabout 8 mi · 1.2 mi of trails
Closest public boat ramp
Pottsburg Creek Public Boat Rampabout 3 mi · Pottsburg Creek
Closest kayak & paddleboard launch
Alejandro Garces Camp Tomahawk Park Paddlecraft Accessabout 5 mi · Goodby's Creek
Closest youth league fields
Windy Hill Elementary Parkabout 1 mi · Baseball, Softball
Closest grocery store
Publixabout 0.2 mi · 4413 Town Center Pkwy, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2026 | $268,131 | $268,131 | ▼ $46,134 |
| 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 3,601 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2026), NEFMLS.
History
Price & status history
- Feb 13, 2026Listed$336,500
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 $148/sq ft; this home is listed at $159/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4460 Congressional Drive, Jacksonville, FL 32246Listed by UNITED REAL ESTATE GALLERY | Oct 2026 | $292,500 | $137 | 4/3.5 | 2,142 | 41 | 0 |
| 4456 Congressional Drive, Jacksonville, FL 32246Listed by BEST COAST REALTY LLC | Sep 2026 | $270,000 | $126 | 3/3.5 | 2,142 | 21 | 0 |
| 4506 Capital Dome Drive, Jacksonville, FL 32246Listed by DJ & LINDSEY REAL ESTATE | Sep 2026 | $317,000 | $148 | 4/3 | 2,142 | 63 | 0.1 |
| 4494 Capital Dome Drive, Jacksonville, FL 32246Listed by UNITED REAL ESTATE GALLERY | Aug 2026 | $300,000 | $140 | 4/3 | 2,142 | 1 | 0.1 |
| 4344 Ellipse Drive, Jacksonville, FL 32246Listed by JPAR CITY AND BEACH | Jul 2026 | $338,000 | $159 | 4/3.5 | 2,121 | 69 | 0.1 |
| 4494 Ellipse Drive, Jacksonville, FL 32246Listed by UNITED REAL ESTATE GALLERY | Jun 2026 | $313,000 | $156 | 4/3.5 | 2,005 | 16 | 0.1 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PREMIER HOMES REALTY INC
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
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Text Krista about this home20+ years · 500+ closings · NE Florida
Is this home priced right?
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