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 Seven Pines, Jacksonville — a waterfront home in Jacksonville.

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Active

Active·145 days on market·Seven Pines

5611 Serene Street

Jacksonville, FL 32224

$774,000$324/sqftEst. $3,979/moMLS# 2137179

Beds

Baths

2,390

Sq Ft

2025

Built

Garage

Pool

About this home

Seven Pines

NEW PRICE! Don't miss this READY TO MOVE-IN home In the new, highly desirable Seven Pines community, centrally located in Jacksonville, FL. This practically brand-new, rear-entry home offers premium upgrades, serene views overlooking a large lake, and a fully fenced backyard! This thoughtfully designed layout features 4 bedrooms, 3 full bathrooms, plus a flex space with versatile living areas for today's lifestyles. The ''open concept'' floor plan features an upgraded kitchen with level 5 double stacked cabinets, gas range, stainless steel appliances, range hood, quartz countertops, walk-in pantry and black farmhouse lighting. The main level includes a private bedroom and full bathroom, perfect for guests, along with a separate flex space ideal for a home office or playroom. Upstairs, you'll find the spacious primary suite with a large closet, two additional bedrooms, another full bathroom

Cost to own

Mortgage calculator

Home Price

$774,000

Down Payment: 20%

$154,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,979

Principal & Interest: $3,979

Property taxes (est.): $1,264

Insurance (est.): $516

Estimated Total Monthly

$5,759

*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$3,979

Property taxesest. at asking price, Duval County$1,264

HOAbilled annually$8

Estimated total, before insurance$5,251/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$145,000	$137,500	—

property taxes (current owner): $2,504/yr

Estimated taxes if purchased at asking price: ~$15,200/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 2025)

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. Municipal drinking water from JEA per the county inventory.

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

Price & status history

Aug 5, 2026Price change$774,000−$15,900
Apr 8, 2026Listed$789,900

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

Features

Price$774,000

Price / Sq Ft$324

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,390

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address5611 Serene Street, Jacksonville, FL 32224

Area027-Intracoastal West-South Of Jt Butler Blvd

SubdivisionSeven Pines

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Parcel Number167740-3230

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Jogging Path, Park, Playground

UtilitiesCable Available, Cable Connected, Electricity Connected, Sewer Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond, Water

Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringLaminate, Tile

# of Stories2

LaundryUpper Level

SecuritySmoke Detector(s)