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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville — a new construction home in Jacksonville.

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Sold

Sold·Closed Sep 14, 2026·85 days on market·Recent sales in Jacksonville

10118 Whistling Pine Court

Jacksonville, FL 32221

$248,000sold priceListed at $248,000 · 100% of asking$161/sqftMLS# 2142985
3
Beds
2.5
Baths
1,536
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XHOA $195/mo3,049 sqft lotWaterfrontTownhouse2 storiesNew construction

About this home

Jacksonville

Discover this brand-new Charter townhome, designed with a timeless traditional exterior, 3 bedrooms, 2.5 bathrooms, 2 car garage, and an airy open layout. At the heart of the home, the kitchen is designed to impress with quartz countertops, bright white cabinetry, a spacious walk-in pantry, and a large island that overlooks the main living areas. It also includes a full set of stainless steel appliances--electric range, microwave, and dishwasher. The kitchen flows effortlessly into the gathering room and café dining space, with easy access to a private patio for outdoor enjoyment. Upstairs, you'll find a flexible loft area along with cozy, carpeted bedrooms. The owner's suite features a private bathroom with dual vanities, a walk-in shower, a separate water closet, and a generous walk-in closet. This home is equipped with both a Smart Home Package and a move-in ready bundle that includes a washer, dryer, refrigerator, blinds, and a garage door opener. Schedule your visit today!

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$1,374
Property taxesest. at asking price, Duval County$405
HOAbilled monthly$195
Estimated total, before insurance$1,974/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$781/yr · $65/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$248,000
$49,600
Loan Term
Monthly Payment
$1,374
Principal & Interest: $1,374
Property taxes (est.): $405
Insurance (est.): $165
Estimated Total Monthly
$1,944
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 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.

Solar potential: ~1,490 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$44,000$44,000—

2025 property taxes (current owner): $781/yr

Estimated taxes if purchased at asking price: ~$4,900/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.

History

Price & status history

  • Sep 15, 2026Closed$248,000
  • Jul 29, 2026Pending$248,000
  • May 1, 2026Listed$248,000

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 $156/sq ft; this home is listed at $161/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
10128 Whistling Pine Court, Jacksonville, FL 32221Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Sep 2026$219,000$1443/2.51,5261130
10106 Whistling Pine Court, Jacksonville, FL 32221Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Sep 2026$228,000$1493/2.51,5261200
10110 Whistling Pine Court, Jacksonville, FL 32221Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Aug 2026$229,000$1503/2.51,526560
10125 Whistling Pine Court, Jacksonville, FL 32221Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Aug 2026$238,000$1563/2.51,526140
10135 Whistling Pne Court, Jacksonville, FL 32221Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Aug 2026$249,000$1623/2.51,536430
10129 Whistling Pne Court, Jacksonville, FL 32221Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Jul 2026$246,890$1623/2.51,52600

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$248,000
Price / Sq Ft$161
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,536
Acres0.07 acres
Year Built2026
TypeResidential
Sub-TypeTownhouse
StyleVilla
Property ConditionUnder Construction
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes
New ConstructionYes

School Information

ElementaryCrystal Springs
MiddleChaffee Trail
HighEdward White

Community Information

Address10118 Whistling Pine Court, Jacksonville, FL 32221
Area062-Crystal Springs/Country Creek Area
SubdivisionNormandy Pines Townhomes
CityJacksonville
CountyDuval
StateFL
Zip Code32221
Lot Size3,049.2 sq ft
Parcel Number0090210730
ZoningResidential

Amenities

AmenitiesNone
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener, Off Street
ViewPond
Waterfront TypePond

Interior

AppliancesOther, Dishwasher, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingElectric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories2
LevelsTwo

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchPatio
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedMay 1, 2026
Days on Market85
HOA Fees$195 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesWater
Tax Amount$780.61
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: PULTE REALTY OF NORTH FLORIDA, LLC.

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 14, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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