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 EverRange, Jacksonville — a new construction home in Jacksonville.

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Active

Active·167 days on market·EverRange

13011 Whispering Winds Drive

Jacksonville, FL 32256

$789,987$279/sqftEst. $4,061/moMLS# 2135049

Beds

Baths

2,835

Sq Ft

2026

Built

Garage

Pool

About this home

EverRange

Discover the Saw Mill, a move-in ready new construction home in Mariposa, Jacksonville, with 2,852 square feet and a wraparound lanai overlooking the pond. A gourmet kitchen, elegant design selections, and LVP flooring and stairs enhance the open floor plan for easy living and entertaining. The first-floor Owner's Retreat offers main-level convenience, while a private study creates dedicated home office space. A vaulted dining room and large Bonus Room add flexibility, with four bedrooms and three baths providing room to spread out. A Spray Foam Attic and Energy and Comfort Guarantee support year-round efficiency. Mariposa offers nature trails, walking, biking and cart paths, a resort-level pool and amenity center, dog parks, splash zone and pickleball courts near US-1, 9B, I-95, Durbin Plaza and St. Johns Town Center. Ready-now specials are available; schedule your private tour today.

Cost to own

Mortgage calculator

Home Price

$789,987

Down Payment: 20%

$157,997

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,061

Principal & Interest: $4,061

Property taxes (est.): $1,290

Insurance (est.): $527

Estimated Total Monthly

$5,878

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$4,061

Property taxesest. at asking price, Duval County$1,290

HOAbilled annually$79

Estimated total, before insurance$5,430/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 AO — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 2026)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

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