This home is in Seven Pines, Jacksonville.

Active

Active·69 days on market·Seven Pines

5534 Settlers Rdg Court

Jacksonville, FL 32224

$1,035,143$394/sqftEst. $5,509/moMLS# 2144258

Beds

Baths

2,626

Sq Ft

2026

Built

Garage

Pool

About this home

Seven Pines

Step into the Costa Mesa: bright, open living with 4 bedrooms, 3 baths, and a deluxe kitchen with island. 12-foot ceilings in the living room and a covered lanai extend your entertaining space outdoors. Master suite with walk-in closet and spa bath. Flex room and customization options make this home truly yours.

Cost to own

Mortgage calculator

Home Price

$1,035,143

Down Payment: 20%

$207,029

Interest Rate: 6.55%

Loan Term

Monthly Payment

$5,262

Principal & Interest: $5,262

Est. Taxes & Insurance: $1,315

Estimated Total Monthly

$6,577

*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 · 7.0% · 30yr$5,509

Property taxesest. at asking price, Duval County$1,690

HOAbilled annually$8

Estimated total, before insurance$7,208/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$145,000	$145,000	▲ $20,000
2024	$125,000	$125,000	—

Estimated taxes if purchased at asking price: ~$20,300/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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

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 · Public water · JEA

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

May 8, 2026Listed$1,035,143

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

Features

Price$1,035,143

Price / Sq Ft$394

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,626

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryTwin Lakes Academy

MiddleTwin Lakes Academy

HighAtlantic Coast

Community Information

Address5534 Settlers Rdg Court, Jacksonville, FL 32224

Area027-Intracoastal West-South Of Jt Butler Blvd

SubdivisionSeven Pines

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Lot Dimensions60 x 120

Parcel Number1677402525

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Fitness Center, Pickleball, Playground

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesEat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

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

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Vinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup