This home is in Jacksonville.

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Active·163 days on market

4566 Harvest Grain Trail

Jacksonville, FL 32226

$459,000$204/sqftEst. $2,340/moMLS# 2130138

Beds

Baths

2,246

Sq Ft

2022

Built

Garage

Pool

About this home

Jacksonville

This immaculate 3 bedroom, 2.5 bath home is located on a desirable corner lot with a completely white vinyl fenced backyard and sprinkler system. The home features soaring ceilings and gorgeous plank flooring throughout. The chef's kitchen includes an oversized granite top island, high end stainless steel LG appliances, including a wall oven with microwave, gas cook top, dishwasher, and side by side refrigerator. There is a huge pantry with shelving to accommodate all of your kitchen and hosting storage. A beautifully appointed laundry suite with cabinetry and premium LG washer and dryer adds effortless convenience. Behind elegant French doors, an office provides the flexibility for a stylish workspace or flex room. Expansive pocket sliding glass doors vanish completely, transforming the living space into a seamless indoor-outdoor retreat, opening to an extra large screened lanai. Finished with a rare 3 car garage and thoughtful upgrades

Cost to own

Mortgage calculator

Home Price

$459,000

Down Payment: 20%

$91,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,340

Principal & Interest: $2,340

Property taxes (est.): $750

Insurance (est.): $306

Estimated Total Monthly

$3,396

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,340

Property taxesest. at asking price, Duval County$749

HOAbilled monthly$70

Estimated total, before insurance$3,160/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.

Cost to own

Taxes & assessment

Last sold: $439,000 in June 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$388,310	$388,310	—
2024	$373,980	$0	▲ $7,541
2023	$367,948	$287,988	▲ $13,180
2022	$65,000	$65,000	—

Estimated taxes if purchased at asking price: ~$9,000/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 D

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

Roof: Shingle — year not disclosed (home built 2022)

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

Likely septic

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,767 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