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Active

Active·192 days on market

15608 Whispering Fir Drive

Jacksonville, FL 32218

$360,000$179/sqftEst. $1,849/moMLS# 2129964

Beds

Baths

2,006

Sq Ft

2024

Built

Garage

Pool

About this home

Jacksonville

Better than new and truly move-in ready, this beautifully maintained 4-bedroom, 3-bath home offers upgraded features the builder is no longer including. Bright, airy, and impeccably cared for, the interior showcases quartz countertops, wood-look tile flooring, abundant natural light, and statement lighting that elevates each space. A private bedroom with its own ensuite bath provides exceptional flexibility for guests or multi-generational living. The custom built-in entertainment wall with adjustable accent lighting creates a striking focal point in the main living area. Step outside to a screened lanai overlooking protected community green space with no direct rear neighbors, offering added privacy while still enjoying neighborhood living. All appliances and water softener convey. Resort-style amenities include pool, fitness center, playground, and tennis courts. Experience this beautiful home and community in person and schedule your showing today

Cost to own

Mortgage calculator

Home Price

$360,000

Down Payment: 20%

$72,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,849

Principal & Interest: $1,849

Property taxes (est.): $588

Insurance (est.): $240

Estimated Total Monthly

$2,677

*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$1,849

Property taxesest. at asking price, Duval County$588

HOAbilled quarterly$129

Estimated total, before insurance$2,566/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,880/yr · $740/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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

Last sold: $7,703,600 in November 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$293,681	$293,681	—
2024	$51,000	$51,000	—

2025 property taxes (current owner): $8,880/yr

Estimated taxes if purchased at asking price: ~$7,100/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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: material not specified — year not disclosed (home built 2024)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

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$360,000

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

Features

Price$360,000

Price / Sq Ft$179

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,006

Acres0.17 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address15608 Whispering Fir Drive, Jacksonville, FL 32218

Area091-Garden City/Airport

SubdivisionSeaton Creek Reserve

CityJacksonville

CountyDuval

StateFL

Zip Code32218

Lot Size7,405.2 sq ft

Parcel Number0196001370

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesEntrance Foyer, Guest Suite, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Smart Home, Smart Thermostat, Walk-In Closet(s)

AppliancesDryer, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryIn Unit