This home is in Jacksonville.

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Active

Active·83 days on market

13030 Whispering Winds Drive

Jacksonville, FL 32256

$877,000$303/sqftEst. $4,668/moMLS# 2141490

Beds

Baths

2,896

Sq Ft

2026

Built

Garage

Pool

About this home

Jacksonville

This Toll Brothers Caspian welcomes you with a soaring foyer and is ideally situated on a desirable waterfront homesite, offering tranquil views and a beautiful natural backdrop. Beyond the entry, an impressive great room flows seamlessly into the casual dining area and well-appointed kitchen, featuring a large center island and walk-in pantry--perfect for entertaining and everyday living. A covered lanai extends the living space outdoors, ideal for relaxing and enjoying the waterfront setting. Upstairs, the primary suite offers a generous walk-in closet and a luxurious bath with dual vanities, a private water closet, and a spacious shower for a spa-like retreat. Two secondary bedrooms share a full bath, and a versatile loft adds additional living space. Additional highlights include a first-floor bedroom, flex room, upstairs laundry, everyday entry, and a spacious two-car garage with extra storage.

Cost to own

Mortgage calculator

Home Price

$877,000

Down Payment: 20%

$175,400

Interest Rate: 6.49%

Loan Term

Monthly Payment

$4,430

Principal & Interest: $4,430

Est. Taxes & Insurance: $1,107

Estimated Total Monthly

$5,537

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$4,668

Property taxesest. at asking price, Duval County$1,432

HOAbilled annually$79

Estimated total, before insurance$6,179/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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 AO — 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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 2026)

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

Septic system (public record) · 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).

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Apr 23, 2026Listed$877,000

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

Features

Price$877,000

Price / Sq Ft$303

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,896

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

New ConstructionYes

School Information

ElementaryBartram Springs

MiddleTwin Lakes Academy

HighAtlantic Coast

Community Information

Address13030 Whispering Winds Drive, Jacksonville, FL 32256

Area028-Bayard

SubdivisionEverrange

CityJacksonville

CountyDuval

StateFL

Zip Code32256

Parcel Number1679010895

Amenities

AmenitiesPool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Pickleball, Playground

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesEntrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Cooktop, Microwave, Tankless Water Heater

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

# of Stories2