Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Kettering at eTown, Jacksonville — a gated community home in Jacksonville.

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Pending

Pending·44 days on market·Kettering at eTown

10248 Mineral Road

Jacksonville, FL 32256

$504,900$217/sqftEst. $2,797/moMLS# 2146181

↓ $29,531 below original list

Beds

Baths

2,331

Sq Ft

2026

Built

Garage

Pool

18 more homes for sale in Kettering at eTown →Search Kettering at eTown on the map

FEMA Zone XHOA $240/moTownhouse2 storiesNew construction

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Kettering at eTown

''Final opportunities in Kettering at eTown!'' Limited-Time 4.99% Fixed Rate Available! Qualified buyers may receive a 4.99% fixed rate on VA, FHA, or Conventional financing through Grace Home Lending. With detailed exterior trim, soothing colors and stone accents, the Acosta in Villas at Kettering in eTown offers strong curb appeal and character. Step through the 8-foot entry door into a foyer with soaring ceilings and a staircase that sets the tone for this thoughtfully designed home. An enclosed office near the entry features double glass doors for added style and privacy. The kitchen includes painted stone gray cabinetry, brushed nickel hardware, quartz countertops, a stainless vent hood and a natural gas cooktop. The expansive island creates a central gathering space for both everyday meals and entertaining. Sliding glass doors open to a fenced backyard with pond to preserve views, extending the living space outdoors.

Next steps in Kettering at eTown

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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$2,797

Property taxesest. at asking price, Duval County$824

HOAbilled monthly$240

Estimated total, before insurance$3,861/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$504,900

Down Payment: 20%

$100,980

Interest Rate: 7.40%

Loan Term

Monthly Payment

$2,797

Principal & Interest: $2,797

Property taxes (est.): $824

Insurance (est.): $337

Estimated Total Monthly

$3,958

*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,746 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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Closest beach parking
Atlantic Beach 19th Street lot
about 6 mi · 14 parking spaces
Closest park or preserve
Theodore Roosevelt Area and Fort Caroline (Timucuan Preserve)
about 3 mi · 9.3 mi of trails
Closest public boat ramp
Fulton Road Unimproved Landing
about 4 mi · St. Johns River
Closest kayak & paddleboard launch
Dutton Island Park & Preserve – South Kayak Launch
about 4 mi · Pablo Creek
Closest youth league fields
Ed Austin Regional Park
about 2 mi · Baseball, Softball, Soccer

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

History

Price & status history

Sep 24, 2026Pending$504,900
Sep 15, 2026Price change$504,900−$20,000
Aug 16, 2026Price change$524,900−$9,531
May 20, 2026Listed$534,431

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 $151/sq ft; this home is listed at $217/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
12301 Kernan Forest Boulevard 205, Jacksonville, FL 32225Listed by SPECTRUM REALTY SERVICES	Jun 2026	$260,000	$146	3/2.5	1,779	23	1.1
12301 Kernan Forest Boulevard 1905, Jacksonville, FL 32225Listed by HOMECOIN.COM	Aug 2025	$268,000	$151	3/2.5	1,779	20	1.1
12301 Kernan Forest Boulevard 1604, Jacksonville, FL 32225Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST	Nov 2025	$272,250	$153	3/2.5	1,779	12	1.3
11714 Tanager Drive, Jacksonville, FL 32225Listed by LA ROSA REALTY NORTH FLORIDA, LLC.	Sep 2025	$185,000	$111	3/2.5	1,668	65	1.3
3076 Cobblewood Lane W, Jacksonville, FL 32225Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE	Jun 2025	$246,200	$147	3/2.5	1,676	5	1.9
3919 Meadowview Drive N, Jacksonville, FL 32225Listed by FLORIDA HOMES REALTY & MTG LLC	Mar 2026	$325,000	$166	3/2.5	1,952	85	2.2

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$504,900

Price / Sq Ft$217

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage2,331

Year Built2026

TypeResidential

Sub-TypeTownhouse

StyleTraditional, Villa

Property ConditionTo Be Built

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryMandarin Oaks

MiddleTwin Lakes Academy

HighAtlantic Coast

Community Information

Address10248 Mineral Road, Jacksonville, FL 32256

Area042-Ft Caroline

SubdivisionKettering at eTown

CityJacksonville

CountyDuval

StateFL

Zip Code32256

Parcel Number00000000

Amenities

AmenitiesPool, Dog Park, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Park, Playground

Community FeaturesSidewalks, Street Lights, Gated

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener, Gated

Interior

Interior FeaturesKitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Gas Cooktop, Microwave, Tankless Water Heater

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile, Vinyl

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Sink, Upper Level, Washer Hookup

SecurityCarbon Monoxide Detector(s), Firewall(s), Security Gate, Smoke Detector(s)

Exterior

Exterior FeaturesBalcony

RoofShingle

ConstructionFrame

Road SurfaceAsphalt

Road FrontageCounty Road

Additional Information

Date ListedSeptember 3, 2026

Days on Market98

HOA Fees$240 / Monthly

HOA FrequencyMonthly

HOA Fee IncludesMaintenance Grounds, Maintenance Structure, Pest Control

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionYes

Listing Courtesy of: WEEKLEY HOMES REALTY

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 Kettering at eTown

Kettering at eTown is a neighborhood in eTown, FL (Duval County), ZIP 32256.

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