This home is in Jacksonville.

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Active

Active·87 days on market

13041 Whispering Winds Drive

Jacksonville, FL 32256

$649,000$308/sqftEst. $3,299/moMLS# 2141491

Beds

Baths

2,105

Sq Ft

2026

Built

Garage

Pool

About this home

Jacksonville

This Toll Brothers Sparrow showcases an elegant single-level floor plan, perfectly positioned on a desirable waterfront homesite offering serene views and everyday tranquility. A welcoming foyer opens to a bright, open-concept living space that seamlessly connects the kitchen, great room, and casual dining area--all designed to capture natural light and scenic surroundings. The well-appointed kitchen features a large center island with breakfast bar and a generous walk-in pantry. Enjoy effortless indoor-outdoor living with a covered lanai overlooking the water, ideal for relaxing or entertaining. The stunning primary suite offers a peaceful retreat with an expansive walk-in closet and a luxurious bath featuring dual vanities, a spacious shower, and private water closet. Two secondary bedrooms share a full bath, while a powder room adds convenience. A versatile flex room and a spacious two-car garage complete this exceptional home.

Cost to own

Mortgage calculator

Home Price

$649,000

Down Payment: 20%

$129,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,299

Principal & Interest: $3,299

Est. Taxes & Insurance: $825

Estimated Total Monthly

$4,123

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$3,299

Property taxesest. at asking price, Duval County$1,060

HOAbilled annually$79

Estimated total, before insurance$4,438/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

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

Jul 16, 2026Price change$649,000−$10,000
Apr 23, 2026Listed$659,000

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

Features

Price$649,000

Price / Sq Ft$308

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,105

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

Address13041 Whispering Winds Drive, Jacksonville, FL 32256

Area028-Bayard

SubdivisionEverrange

CityJacksonville

CountyDuval

StateFL

Zip Code32256

Parcel Number1679011215

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, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

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

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

# of Stories1

LevelsOne

LaundryGas Dryer Hookup, Lower Level, Sink, Washer Hookup