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 / 24

Active

Active·161 days on market

14637 Katie Cove Drive 0030

Jacksonville, FL 32226

$498,900$210/sqftEst. $2,562/moMLS# 2134790

Beds

Baths

2,380

Sq Ft

2026

Built

Garage

Pool

About this home

Jacksonville

NEW MOVE-IN READY HOME on a HALF-ACRE LOT! Katie Cove features gorgeous half-acre homesites with RV & boat parking on select lots. The Palazzo II floorplan features 2380 square feet and has 4 bedrooms (one of which has an en suite bath), 3 baths, open-concept kitchen, dining room, and a very large gathering room that opens to the spacious covered lanai. The large owner's suite has a spa-like bath with large walk-in shower, double vanities and separate water closet. This community is quiet and serene, yet offers easy access to everything you need. It's a perfect place to call home. This rendering is a conceptual drawing only and is not meant to represent the actual exterior colors. Builder reserves the right to modify. See agent for special savings on this home!

Cost to own

Mortgage calculator

Home Price

$498,900

Down Payment: 20%

$99,780

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,562

Principal & Interest: $2,562

Property taxes (est.): $815

Insurance (est.): $333

Estimated Total Monthly

$3,709

*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$2,562

Property taxesest. at asking price, Duval County$815

HOAbilled annually$79

Estimated total, before insurance$3,456/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.

Hurricane evacuation zone C

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

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

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: ~1,689 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