This home is in Jacksonville.

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Active

Active·142 days on market

8486 Horsebit Circle

Jacksonville, FL 32219

$399,000$179/sqftEst. $2,034/moMLS# 2132927

Beds

Baths

2,226

Sq Ft

2024

Built

Garage

Pool

About this home

Jacksonville

Assumable Mortgage Opportunity!! Take advantage of this beautiful Lennar Princeton II offering 4 bedrooms, 3 bathrooms, and a 3-car garage, loaded with upgrades plus additional enhancements. This thoughtfully designed open-concept floorplan features a spacious kitchen with white quartz countertops, 42'' cabinetry, Frigidaire® stainless steel appliances (range, dishwasher, microwave, refrigerator), large center island, and dedicated eat-in dining area. Ceramic wood-look tile flows throughout the main living areas, dining room, and hallways, with window blinds installed throughout. The split-bedroom layout provides privacy, highlighted by a spacious primary suite with a large walk-in closet and upgraded en-suite bath featuring quartz vanity and walk-in shower. Two secondary bedrooms share a full bath, while the fourth bedroom offers flexibility for guests, a home office, or flex space. Bathrooms have been upgraded. Amenities include a Pool and Playground!

Cost to own

Mortgage calculator

Home Price

$399,000

Down Payment: 20%

$79,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,034

Principal & Interest: $2,034

Property taxes (est.): $652

Insurance (est.): $266

Estimated Total Monthly

$2,952

*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$2,034

Property taxesest. at asking price, Duval County$652

HOAbilled quarterly$79

Estimated total, before insurance$2,765/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.

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

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

Likely septic · Private well (public record)

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: ~1,627 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

Mar 3, 2026Listed$399,000

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

Features

Price$399,000

Price / Sq Ft$179

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,226

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Community Information

Address8486 Horsebit Circle, Jacksonville, FL 32219

Area081-Marietta/Whitehouse/Baldwin/Garden St

SubdivisionSaddle Oaks

CityJacksonville

CountyDuval

StateFL

Zip Code32219

Parcel Number8379381S25E SADDLE OAKS PHASE 2A LOT 149

Amenities

AmenitiesPool, Playground

UtilitiesCable Available

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Walk-In Closet(s)

AppliancesElectric Oven, Electric Water Heater

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup