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 Kettering at eTown, Jacksonville — a new construction home in Jacksonville.

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Pending

Pending·167 days on market·Kettering at eTown

10240 Mineral Road

Jacksonville, FL 32256

$499,700$211/sqftEst. $2,569/moMLS# 2135545

Beds

Baths

2,367

Sq Ft

2026

Built

Garage

Pool

About this home

Kettering at eTown

''Final opportunities in Kettering at eTown!'' Limited-Time 4.99% Fixed Rate Available! Qualified buyers may receive a 4.99% fixed rate on VA, FHA, or Conventional financing through Grace Home Lending. Designed like the model home, this Rosamond villa in Villas at Kettering in eTown is positioned on a homesite with pond to preserve views. This setting provides added privacy and a peaceful backdrop for everyday living. The open layout welcomes you with a dining area that flows into the kitchen and living spaces. The kitchen features white cabinetry, a stainless vent hood, quartz countertops and a subway tile backsplash, with luxury vinyl plank flooring throughout the main areas. An enclosed study near the kitchen offers a bright and functional space for working from home. This area adds flexibility to the main level. Upstairs, all bedrooms are generously sized and complemented by a flex space that can serve as a game room or media area.

Cost to own

Mortgage calculator

Home Price

$499,700

Down Payment: 20%

$99,940

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,569

Principal & Interest: $2,569

Property taxes (est.): $816

Insurance (est.): $333

Estimated Total Monthly

$3,718

*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$2,569

Property taxesest. at asking price, Duval County$816

HOAbilled monthly$220

Estimated total, before insurance$3,605/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: Shingle — year not disclosed (home built 2026)

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

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