This home is in Jacksonville.

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Active

Active·91 days on market

9524 Gaynor Circle

Jacksonville, FL 32219

$400,000$174/sqftEst. $2,039/moMLS# 2141618

Beds

Baths

2,297

Sq Ft

2024

Built

Garage

Pool

About this home

Jacksonville

Discover modern luxury in the stunning Lennar Tivoli floorplan at Saddle Oaks. Situated on a premium 60 foot homesite, this impeccably designed one story residence offers 2,297 square feet of open concept living. The home features 4 spacious bedrooms and 3 full bathrooms, providing the perfect balance of privacy and comfort. Highlights include a gourmet kitchen flowing seamlessly into an expansive great room, a 3 car garage, and a private screened lanai ideal for enjoying the Florida sunshine. This master-planned community offers an all-inclusive lifestyle with HOA fees covering high speed internet, a resort style swimming pool, a playground, and a fenced dog park. Best of all, there are no CDD fees! Enjoy a prime location with easy access to Downtown Jacksonville, the international airport, and local attractions. Experience the best of Northeast Florida living in a home designed for both relaxation and entertaining. Schedule your tour of this move in ready model today.

Cost to own

Mortgage calculator

Home Price

$400,000

Down Payment: 20%

$80,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,039

Principal & Interest: $2,039

Property taxes (est.): $653

Insurance (est.): $267

Estimated Total Monthly

$2,959

*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$2,039

Property taxesest. at asking price, Duval County$653

HOAbilled quarterly$86

Estimated total, before insurance$2,779/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,656/yr · $471/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$315,428	$315,428	—
2024	$55,000	$55,000	—

2025 property taxes (current owner): $5,656/yr

Estimated taxes if purchased at asking price: ~$7,800/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

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 2024)

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: ~1,346 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

Price & status history

Apr 23, 2026Listed$400,000

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

Features

Price$400,000

Price / Sq Ft$174

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,297

Acres0.26 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryDinsmore

MiddleHighlands

HighJean Ribault

Community Information

Address9524 Gaynor Circle, Jacksonville, FL 32219

Area081-Marietta/Whitehouse/Baldwin/Garden St

SubdivisionSaddle Oaks

CityJacksonville

CountyDuval

StateFL

Zip Code32219

Lot Size11,325.6 sq ft

Parcel Number0034470405

Amenities

AmenitiesPool, Dog Park, Park, Playground

UtilitiesElectricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewCity

Interior

Interior FeaturesEat-in Kitchen, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySmoke Detector(s)