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.

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Pending

Pending·10 days on market

13726 Gerona Drive N

Jacksonville, FL 32224

$439,900$214/sqftEst. $2,269/moMLS# 2136733

Beds

Baths

2,054

Sq Ft

2026

Built

Garage

Pool

About this home

Jacksonville

Welcome Home! Take a look at this Brand-New 4/2.5 Home just completed! This stunning 4-bedroom, 2.5-bath home showcases wood-look vinyl plank flooring in the main living areas, plush carpet in the bedrooms, and a bright kitchen with beautiful white cabinets, granite countertops, and includes a stainless-steel kitchen appliance package (RANGE & FRIDGE GO IN ABOUT A WEEK BEFORE CLOSING). Relax and unwind on your covered lanai, perfect for outdoor living. Your new home also comes with a 1-year builder warranty and a termite bond for added peace of mind. Close to schools, shopping, & only TEN MINUTES to Jax Beach! **This home has a performance engineered septic system which will have city required yearly maintenance agreement and fee. STAGING BY BOLD CITY STAGING

Cost to own

Mortgage calculator

Home Price

$439,900

Down Payment: 20%

$87,980

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,269

Principal & Interest: $2,269

Property taxes (est.): $718

Insurance (est.): $293

Estimated Total Monthly

$3,280

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,269

Property taxesest. at asking price, Duval County$718

Estimated total, before insurance$2,987/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

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: ~1,391 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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