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This home is in Jacksonville — a gated community home in Jacksonville.

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Active

Active·118 days on market

11230 Saddle Crest Way

Jacksonville, FL 32219

$675,000$216/sqftEst. $3,442/moMLS# 2139175

Beds

Baths

3,120

Sq Ft

2024

Built

Garage

Pool

About this home

Jacksonville

Welcome to refined country living in the prestigious Jacksonville Ranch Club II, a private and gated equestrian community. Situated on a 1.12-acre lot, this beautifully designed 4-bedroom, 3-bathroom home offers 3,120 square feet of elegant living space. High ceilings and luxury vinyl plank flooring create a bright, open feel throughout. The kitchen features brand-new appliances, abundant cabinetry, and an eat-in area, and flows seamlessly into the spacious living room, where large windows showcase panoramic views of the covered patio and expansive backyard. A separate office provides the perfect space for working from home or quiet study. The split floor-plan is ideal for privacy and flexibility: two bedrooms share a full bath on one side of the home, while a fourth bedroom with its own private bath is tucked away on the opposite side--perfect for guests, in-laws, or an older child. The generously sized primary suite offers dual walk-in closets and a spa-like bathroom with a soaking

Cost to own

Mortgage calculator

Home Price

$675,000

Down Payment: 20%

$135,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,442

Principal & Interest: $3,442

Property taxes (est.): $1,102

Insurance (est.): $450

Estimated Total Monthly

$4,994

*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$3,442

Property taxesest. at asking price, Duval County$1,102

HOAbilled annually$89

Estimated total, before insurance$4,633/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,569/yr · $714/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	$470,853	$455,765	—
2024	$52,000	$45,375	▼ $2,000
2023	$54,000	$41,250	—
2022	$37,500	$37,500	—
2021	$22,000	$9,138	—
2020	$18,500	$8,308	—

2025 property taxes (current owner): $8,569/yr

Estimated taxes if purchased at asking price: ~$13,200/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 2024)

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

Solar potential: ~1,670 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 9, 2026Listed$675,000

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

Features

Price$675,000

Price / Sq Ft$216

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage3,120

Acres1.12 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryDinsmore

MiddleHighlands

HighJean Ribault

Community Information

Address11230 Saddle Crest Way, Jacksonville, FL 32219

Area082-Dinsmore/Northwest Duval County

SubdivisionJacksonville Ranch Club 2

CityJacksonville

CountyDuval

StateFL

Zip Code32219

Lot Size48,787.2 sq ft

Parcel Number0026511850

ZoningResidential

Amenities

AmenitiesOther, Park, Playground, RV/Boat Storage

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerSeptic Tank

Water SourcePrivate, Well

ParkingAttached, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s)

AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringVinyl

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySecurity Gate, Smoke Detector(s)