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15608 Whispering Fir Drive, Jacksonville, FL 32218

$360,000

MLS# 2129964

Bedrooms

Bathrooms

2,006

Sq Ft

2024

Year Built

About This Home — 15608 Whispering Fir Drive

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

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

Additional Information

Date ListedFebruary 13, 2026

Days on Market107

HOA Fees$387.25 / Quarterly

HOA FrequencyQuarterly

Tax Amount$8,879.87

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Mortgage Calculator

Home Price

$360,000

Down Payment: 20%

$72,000

Interest Rate: 7.00%

Loan Term

Monthly Payment

$1,916

Principal & Interest: $1,916

Est. Taxes & Insurance: $479

Estimated Total Monthly

$2,395

*Estimates based on 30-year loan at 7% APR. Actual payments may vary.

True Monthly Cost

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

Principal & interest20% down · 7.0% · 30yr$1,916

Property taxesest. at asking price, Duval County$588

HOAbilled quarterly$129

Estimated total, before insurance$2,633/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.

Taxes & Assessment

Year	Market value	Taxable value	Change
2025	$293,681	$293,681	—

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 3,908 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.

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.

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.