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 new construction home in Jacksonville.

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Active

Active·105 days on market·Kettering at eTown

10246 Mineral Road

Jacksonville, FL 32256

$529,700$230/sqftEst. $2,723/moMLS# 2146182

Beds

Baths

2,300

Sq Ft

2026

Built

Garage

Pool

About this home

Kettering at eTown

''Final opportunities in Kettering at eTown!'' Upstairs, The private Owner's Retreat offers a spa-inspired bath and generous walk-in closet, while the secondary bedrooms are thoughtfully separated for added privacy. A versatile retreat area provides the ideal space for a game room, or secondary living space. Enjoy morning coffee on your covered balcony overlooking the preserve views and your fully fenced-in yard. This home sits on a beautiful homesite with a pond-to-preserve view. All yard maintenance is taken care of by the HOA. Residents enjoy access to community amenities including a pool, fitness center, playground and dog park.

Cost to own

Mortgage calculator

Home Price

$529,700

Down Payment: 20%

$105,940

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,723

Principal & Interest: $2,723

Property taxes (est.): $865

Insurance (est.): $353

Estimated Total Monthly

$3,941

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,723

Property taxesest. at asking price, Duval County$865

HOAbilled monthly$240

Estimated total, before insurance$3,828/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.

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.

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