This home is in Jacksonville.

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Active

Active·115 days on market

9719 Topaz Lane

Jacksonville, FL 32257

$279,990$189/sqftEst. $1,428/moMLS# 2137994

Beds

Baths

1,483

Sq Ft

2026

Built

Garage

Pool

About this home

Jacksonville

SPOTLIGHT HOME! (Conditions may apply) MOVE IN READY! This Lennar Town Home features the MIA floor plan with 3 bedrooms, 2.5 bathrooms, and a 1-car garage. The kitchen offers white cabinets with white quartz countertops and 42-inch uppers, along with Frigidaire stainless steel appliances including range, dishwasher, microwave, and refrigerator. Luxury vinyl plank flooring is included in main areas such as living room, kitchen, and bathrooms. Home includes window blinds throughout, and a water heater and includes a one-year builder warranty, dedicated customer service program, and 24-hour emergency service. (Conditions may apply)

Cost to own

Mortgage calculator

Home Price

$279,990

Down Payment: 20%

$55,998

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,428

Principal & Interest: $1,428

Property taxes (est.): $457

Insurance (est.): $187

Estimated Total Monthly

$2,071

*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$1,428

Property taxesest. at asking price, Duval County$457

HOAbilled monthly$285

Estimated total, before insurance$2,170/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$601/yr · $50/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

2024 property taxes (current owner): $601/yr

Estimated taxes if purchased at asking price: ~$5,500/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, 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 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. Municipal drinking water per the county inventory.

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

Solar potential: ~1,602 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

Apr 2, 2026Listed$279,990

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

Features

Price$279,990

Price / Sq Ft$189

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,483

Acres0.08 acres

Year Built2026

TypeResidential

Sub-TypeTownhouse

StyleTraditional

Property ConditionUnder Construction

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

MiddleSelect One

Community Information

Address9719 Topaz Lane, Jacksonville, FL 32257

Area013-Beauclerc/Mandarin North

SubdivisionEmerald Isles

CityJacksonville

CountyDuval

StateFL

Zip Code32257

Lot Size3,484.8 sq ft

Parcel Number1491870080

ZoningPUD

Amenities

AmenitiesNone

UtilitiesCable Available, Other

SewerPublic Sewer

Water SourcePublic

Green / EnergyAppliances, Windows

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Eat-in Kitchen, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer/Dryer Stacked

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Laminate

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)