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 Kettering at eTown, Jacksonville — a new construction home in Jacksonville.

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Pending

Pending·149 days on market·Kettering at eTown

9945 Element Road

Jacksonville, FL 32256

$504,900$217/sqftEst. $2,797/moMLS# 2140290

↓ $15,000 below original list

Beds

Baths

2,331

Sq Ft

2026

Built

Garage

Pool

18 more homes for sale in Kettering at eTown →Search Kettering at eTown on the map

FEMA Zone AHHOA $240/moTownhouse2 storiesNew construction

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Kettering at eTown

''Final opportunities in Kettering at eTown!'' Limited-Time 4.99% Fixed Rate Available! Qualified buyers may receive a 4.99% fixed rate on VA, FHA, or Conventional financing through Grace Home Lending. Set between two beautiful outlooks, this ready-now Acosta Villa offers a preserve view from the back and a pond view from the front in gated Kettering at eTown. With 4 bedrooms, 3 baths and 2,321 square feet, the layout gives you space where it matters without the upkeep of a large yard. The fenced backyard is maintained by the HOA, making it easy to spend more time enjoying home and less time working on it. Inside, a grand staircase makes a statement, while the gourmet kitchen and large windows complement the open living spaces. A main-floor bedroom and full bath create a private guest space. Upstairs, the Owner's Retreat, two additional spacious bedrooms and flexible retreat provide room to spread out, while the balcony gives you another spot to unwind.

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,797

Property taxesest. at asking price, Duval County$824

HOAbilled monthly$240

Estimated total, before insurance$3,861/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$504,900

Down Payment: 20%

$100,980

Interest Rate: 7.40%

Loan Term

Monthly Payment

$2,797

Principal & Interest: $2,797

Property taxes (est.): $824

Insurance (est.): $337

Estimated Total Monthly

$3,958

*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AH — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: ~1,756 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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Closest beach parking
16th Ave S
23 min drive · 28 parking spaces
Closest park or preserve
Julington-Durbin Preserve
16 min drive · 6.4 mi of trails
Closest public boat ramp
Baymeadows Regional Park – Fish Management Area Primitive Ramp
about 2 mi · Baymeadows Regional Park
Closest kayak & paddleboard launch
Palmetto Leaves Regional Park Canoe Launch
about 4 mi · Julington Creek - Big Davis Creek
Closest youth league fields
Fort Family Regional Park
8 min drive · Baseball, Basketball, Football, Soccer, Volleyball, Pickleball, Tennis

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

History

Price & status history

Sep 20, 2026Pending$504,900
Aug 27, 2026Price change$504,900+$5,000
Aug 16, 2026Price change$499,900−$20,000
May 21, 2026Listed$519,900

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $228/sq ft; this home is listed at $217/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
10235 Mineral Road, Jacksonville, FL 32256Listed by WEEKLEY HOMES REALTY	Aug 2026	$463,700	$202	3/2.5	2,291	71	0.3
10181 Element Road, Jacksonville, FL 32256Listed by WEEKLEY HOMES REALTY	Aug 2026	$535,670	$228	3/2.5	2,352	94	0.3
10233 Mineral Road, Jacksonville, FL 32256Listed by WEEKLEY HOMES REALTY	Aug 2026	$464,700	$214	3/2.5	2,169	81	0.3
10150 Element Road, Jacksonville, FL 32256Listed by WEEKLEY HOMES REALTY	Jul 2026	$414,700	$244	3/2.5	1,699	93	0.3
10173 Element Road, Jacksonville, FL 32256Listed by WEEKLEY HOMES REALTY	Jul 2026	$501,090	$218	3/3	2,300	159	0.3
10148 Element Road, Jacksonville, FL 32256Listed by WEEKLEY HOMES REALTY	Jul 2026	$395,000	$233	3/2.5	1,692	0	0.3

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$504,900

Price / Sq Ft$217

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,331

Year Built2026

TypeResidential

Sub-TypeTownhouse

StyleTraditional, Villa

Property ConditionTo Be Built

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryMandarin Oaks

MiddleTwin Lakes Academy

HighAtlantic Coast

Community Information

Address9945 Element Road, Jacksonville, FL 32256

Area027-Intracoastal West-South Of Jt Butler Blvd

SubdivisionKettering at eTown

CityJacksonville

CountyDuval

StateFL

Zip Code32256

Parcel Number00000000

Amenities

AmenitiesPool, Dog Park, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Park, Playground

Community FeaturesSidewalks, Street Lights, Gated

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener, Gated

Interior

Interior FeaturesKitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Gas Cooktop, Microwave, Tankless Water Heater

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Vinyl

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Sink, Upper Level, Washer Hookup

SecurityCarbon Monoxide Detector(s), Firewall(s), Security Gate, Smoke Detector(s)

Exterior

Exterior FeaturesBalcony

RoofShingle

ConstructionFrame

Road SurfaceAsphalt

Road FrontageCounty Road

Additional Information

Date ListedMay 21, 2026

Days on Market157

HOA Fees$240 / Monthly

HOA FrequencyMonthly

HOA Fee IncludesMaintenance Grounds, Maintenance Structure, Pest Control

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionYes

Listing Courtesy of: WEEKLEY HOMES REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Kettering at eTown

Kettering at eTown is a neighborhood in eTown, FL (Duval County), ZIP 32256.

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