This home is in Seven Pines, Jacksonville — a home near Atlantic Coast High School.
Pending·159 days on market·Seven Pines
5534 Settlers Rdg Court
Jacksonville, FL 32224
73 more homes for sale in Seven Pines →Search Seven Pines on the map
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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.
Next steps in Seven Pines
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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.
Sewer records conflict — verify
The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water from JEA per the county inventory.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs 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
| 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: ~$19,500/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
- Oct 6, 2026Pending$997,688
- Sep 15, 2026Price change$997,688−$41,000
- Aug 19, 2026Price change$1,038,688+$3,545
- May 8, 2026Listed$1,035,143
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 $332/sq ft; this home is listed at $380/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 12170 Grand Pine Drive, Jacksonville, FL 32224Listed by ICI SELECT REALTY, INC. | Sep 2026 | $640,900 | $319 | 3/2.5 | 2,010 | 148 | 0.1 |
| 12197 Tribute Circle, Jacksonville, FL 32224Listed by COMPASS FLORIDA LLC | Aug 2026 | $1,124,500 | $361 | 4/3.5 | 3,113 | 42 | 0.1 |
| 5559 Dairy Farm Road, Jacksonville, FL 32224Listed by DJ & LINDSEY REAL ESTATE | Sep 2026 | $595,000 | $312 | 4/2.5 | 1,910 | 39 | 0.2 |
| 5915 Canopy Row Street, Jacksonville, FL 32224Listed by ICI SELECT REALTY, INC. | Oct 2026 | $1,044,000 | $332 | 4/3.5 | 3,147 | 204 | 0.3 |
| 5796 Canopy Row Street, Jacksonville, FL 32224Listed by WEEKLEY HOMES REALTY | Oct 2026 | $756,000 | $328 | 3/2 | 2,308 | 148 | 0.3 |
| 5548 Rain Barrel Road, Jacksonville, FL 32224Listed by ICI SELECT REALTY, INC. | Sep 2026 | $922,553 | $351 | 4/3 | 2,627 | 0 | 0.3 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ICI SELECT REALTY, INC.
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.
The neighborhood
About Seven Pines
Seven Pines is a neighborhood in Jacksonville, FL (Duval County), ZIP 32224.
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines