Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville — a new construction home in Jacksonville.

1 / 4

Pending

Pending·156 days on market

494 Trout Run Road

Jacksonville, FL 32218

$259,990$185/sqftEst. $1,338/moMLS# 2134228

Beds

Baths

1,403

Sq Ft

2026

Built

Garage

Pool

About this home

Jacksonville

Welcome home to this beautifully maintained townhome with tranquil pond views in a highly convenient Jacksonville location. This home offers an open-concept layout with LVP flooring on the main floor, a bright kitchen featuring stainless steel appliances, generous cabinet space. Upstairs, you'll find three spacious bedrooms, including a primary suite with pond views, and an ensuite bath. Additional highlights include a 1-car garage, upstairs laundry, and plenty of storage throughout. Enjoy low-maintenance living with an HOA that covers exterior care, lawn maintenance, and community upkeep. Ideally located close to Beaches, Mayport Naval Station, I-295, Town Center, UNF, shopping, dining, and top employers. Move-in ready!

Cost to own

Mortgage calculator

Home Price

$259,990

Down Payment: 20%

$51,998

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,338

Principal & Interest: $1,338

Property taxes (est.): $425

Insurance (est.): $173

Estimated Total Monthly

$1,936

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,338

Property taxesest. at asking price, Duval County$425

HOAbilled monthly$135

Estimated total, before insurance$1,898/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

2026 property taxes (current owner): $2/yr

Estimated taxes if purchased at asking price: ~$5,100/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, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~1,636 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

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.