This home is in Jacksonville.

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Pending

Pending·102 days on market

5394 Horseback Court

Jacksonville, FL 32234

$304,900$237/sqftEst. $1,555/moMLS# 2140044

Beds

Baths

1,287

Sq Ft

2026

Built

Garage

Pool

About this home

Jacksonville

Meet the Archer+, a beautifully designed new one-story home offering 1,287 square feet offering the perfect blend of comfort and functionality. With 3 bedrooms, 2 bathrooms, and a 2-car garage, this floor plan delivers the perfect balance of open-concept living and private retreat. The heart of the home features a seamless flow between the kitchen, dining area, and gathering room, creating one spacious, connected living space ideal for entertaining, family time, or simply relaxing at home. The large windows and vaulted ceiling makes the area feel large. The kitchen is perfectly positioned for hosting, with ample counter space and a view of the entire main living area so you're always part of the conversation. The private primary suite offers a peaceful escape with an en-suite bath and generous closet space, while two additional bedrooms provide flexibility for guests, a home office, or whatever fits your lifestyle. The Archer+ proves that smart design makes every square foot count.

Cost to own

Mortgage calculator

Home Price

$304,900

Down Payment: 20%

$60,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,555

Principal & Interest: $1,555

Property taxes (est.): $498

Insurance (est.): $203

Estimated Total Monthly

$2,256

*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$1,555

Property taxesest. at asking price, Duval County$498

HOAbilled annually$10

Estimated total, before insurance$2,062/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.

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.

Solar potential: ~1,636 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