This home is in Kettering at eTown, Jacksonville.

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Active Under Contract

Active Under Contract·71 days on market·Kettering at eTown

9809 Invention Lane

Jacksonville, FL 32256

$625,000$251/sqftEst. $3,187/moMLS# 2135549

Beds

Baths

2,488

Sq Ft

2021

Built

Garage

Pool

About this home

Kettering at eTown

Welcome to eTown living at its finest in this beautifully upgraded Providence home, thoughtfully designed with both style and function in mind. This spacious residence features a bright open layout with vaulted ceilings, an oversized living room window, and a gourmet kitchen complete with a messy kitchen addition, soft-close drawers, and generous prep and storage space. The primary suite offers a relaxing retreat with a bay window, a beautifully finished bath, and a custom California Closets build-out. Custom built-ins also enhance the mudroom and additional closets, while the screened lanai and extended paver patio create a seamless indoor-outdoor lifestyle. Additional highlights include a four-zone HVAC system, full-house gutters, 240V garage outlet, new carpet with memory foam padding, new dishwasher, fresh sod, active termite bond, and energy-efficient solar-ready construction. With a flexible floor plan, designer finishes, and a fenced backyard backing to beautiful nature views

Cost to own

Mortgage calculator

Home Price

$625,000

Down Payment: 20%

$125,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,187

Principal & Interest: $3,187

Property taxes (est.): $1,021

Insurance (est.): $417

Estimated Total Monthly

$4,624

*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$3,187

Property taxesest. at asking price, Duval County$1,021

HOAbilled annually$36

Estimated total, before insurance$4,243/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,956/yr · $830/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$525,295	$435,683	▲ $10,000
2024	$515,145	$422,697	—
2023	$509,532	$408,930	▲ $44,971
2022	$445,564	$395,564	—
2021	$80,000	$80,000	▲ $15,000

2025 property taxes (current owner): $9,956/yr

Estimated taxes if purchased at asking price: ~$12,200/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 (2025), NEFMLS.

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 2021)

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

Solar potential: ~1,751 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

May 18, 2026Listed$625,000

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

Features

Price$625,000

Price / Sq Ft$251

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,488

Acres0.16 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryMandarin Oaks

MiddleTwin Lakes Academy

Community Information

Address9809 Invention Lane, Jacksonville, FL 32256

Area027-Intracoastal West-South Of Jt Butler Blvd

SubdivisionKettering at eTown

CityJacksonville

CountyDuval

StateFL

Zip Code32256

Lot Size6,969.6 sq ft

Parcel Number1677623180

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Butler Pantry, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Cooktop, Microwave, Refrigerator

HeatingElectric

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsMulti/Split, Two

LaundryIn Unit