This home is in Jacksonville.

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Pending

Pending·19 days on market

5402 Horseback Court

Jacksonville, FL 32234

$339,915$205/sqftEst. $1,733/moMLS# 2141079

Beds

Baths

1,657

Sq Ft

2026

Built

Garage

Pool

About this home

Jacksonville

Welcome home to this beautifully designed Express Series plan home, called the Dundee+. It features a 1,657 sq. ft. single-story floor plan offering 5 bedrooms, 2 bathrooms, and a 2-car garage providing the perfect blend of space, comfort, and functionality. This thoughtfully designed layout features an open-concept living area with vaulted ceilings where the kitchen, dining room, and large gathering room flow seamlessly together, creating one spacious and inviting environment. With abundant natural light pouring in, this home feels bright, airy, and welcoming from the moment you walk in. The kitchen is truly the heart of the home, complete with a large center island that's perfect for entertaining, meal prep, or casual seating. Whether you're hosting friends or enjoying a quiet evening in, this space is designed to bring everyone together. The private owner's suite offers a relaxing retreat with a spacious walk-in closet and dual sinks in the en-suite bath for added convenience.

Cost to own

Mortgage calculator

Home Price

$339,915

Down Payment: 20%

$67,983

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,733

Principal & Interest: $1,733

Property taxes (est.): $555

Insurance (est.): $227

Estimated Total Monthly

$2,515

*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$1,733

Property taxesest. at asking price, Duval County$555

HOAbilled annually$10

Estimated total, before insurance$2,298/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.

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,471 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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