This home is in Jacksonville.

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Active

Active·73 days on market

4951 Shell Creek Trail

Jacksonville, FL 32226

$499,000$224/sqftEst. $2,544/moMLS# 2145520

Beds

Baths

2,231

Sq Ft

2025

Built

Garage

Pool

About this home

Jacksonville

BETTER THAN NEW! Skip the build stress with this 2025 masterpiece on a premier lot. Enjoy expansive lake views with a protected preserve beyond for ultimate privacy. This open-concept home features high-end upgrades, a gourmet kitchen with quartz counters, and a spa-inspired primary suite. Experience seamless indoor-outdoor living with premium panel pocket sliding doors leading to the lanai. This vibrant community offers a kayak launch and a large park with a playground, swings, fire pit, and covered picnic area. Luxury, nature, and peace of mind await in this designer oasis. Schedule your tour today! NOTE: 4th Bedroom is non-conforming & does not have a closet.

Cost to own

Mortgage calculator

Home Price

$499,000

Down Payment: 20%

$99,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,544

Principal & Interest: $2,544

Property taxes (est.): $815

Insurance (est.): $333

Estimated Total Monthly

$3,692

*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$2,544

Property taxesest. at asking price, Duval County$815

HOAbilled monthly$106

Estimated total, before insurance$3,465/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

Year	Market value	Taxable value	Change
2025	$65,000	$65,000	—
2024	$65,000	$65,000	—

Estimated taxes if purchased at asking price: ~$9,800/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.

Hurricane evacuation zone A

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

Roof: Shingle — year not disclosed (home built 2025)

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

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 20, 2026Price change$499,000−$10,000
May 15, 2026Listed$509,000

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

Features

Price$499,000

Price / Sq Ft$224

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,231

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Community Information

Address4951 Shell Creek Trail, Jacksonville, FL 32226

Area096-Ft George/Blount Island/Cedar Point

SubdivisionWingate Landing

CityJacksonville

CountyDuval

StateFL

Zip Code32226

Parcel Number159848-0440

Amenities

AmenitiesMaintenance Grounds, Playground

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewPond, Trees/Woods

Waterfront TypePond

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Oven, Gas Cooktop, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryIn Unit