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This home is in Jacksonville.

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Active

Active·92 days on market

15694 Chir Pine Drive

Jacksonville, FL 32218

$440,000$172/sqftEst. $2,264/moMLS# 2144968

Beds

Baths

2,557

Sq Ft

2019

Built

Garage

Pool

About this home

Jacksonville

***Seller is offering the Lucky Buyer, Closing Cost Assistance & a 1 year home warranty!*** Move in Ready, Impeccable 4-bedroom, 4 full-bath home in the gated Pine Lakes community with 2,500+ sq. ft. of thoughtfully designed living space. This spacious floor plan offers a custom office space, open-concept living area, and a stunning eat-in kitchen featuring a quartz island, upgraded cabinetry, and plenty of room to entertain. The 1st floor includes a private guest suite and full bath, perfect for overnight visitors. Upstairs, enjoy a spacious loft ideal for a media room, playroom, or family retreat, along with the stunning primary suite, two additional bedrooms (one en-suite, suitable for multi-generational living), and a large laundry room. Sliding glass doors lead to a covered patio and private backyard with peaceful space. *BONUS, All appliances Convey with Sale!

Cost to own

Mortgage calculator

Home Price

$440,000

Down Payment: 20%

$88,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,264

Principal & Interest: $2,264

Property taxes (est.): $718

Insurance (est.): $293

Estimated Total Monthly

$3,276

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$2,264

Property taxesest. at asking price, Duval County$718

HOAbilled quarterly$88

Estimated total, before insurance$3,071/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.

Cost to own

Taxes & assessment

Last sold: $456,000 in June 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$351,177	$351,177	—
2024	$352,586	$352,586	—
2023	$366,393	$223,642	—
2022	$342,318	$215,672	▲ $12,829
2021	$267,534	$207,934	—
2020	$254,373	$204,373	▲ $9,982

Estimated taxes if purchased at asking price: ~$8,600/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 E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: material not specified — year not disclosed (home built 2019)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,736 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

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 15, 2026Active$440,000
May 13, 2026Listed$440,000

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

Features

Price$440,000

Price / Sq Ft$172

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage2,557

Acres0.15 acres

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address15694 Chir Pine Drive, Jacksonville, FL 32218

Area092-Oceanway/Pecan Park

SubdivisionPine Lakes

CityJacksonville

CountyDuval

StateFL

Zip Code32218

Lot Size6,534 sq ft

Parcel Number1082352300

Amenities

AmenitiesPool, Fitness Center, Playground

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBuilt-in Features, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Washer, Wine Cooler

HeatingCentral, Electric

CoolingCentral Air, Electric

# of Stories2

LaundryUpper Level

Spa FeaturesCommunity