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 Grand Creek North, Jacksonville — a home near Bartram Trail High School.

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Active Under Contract

Active Under Contract·61 days on market·Grand Creek North

395 Brown Bear

Jacksonville, FL 32259

$510,000$225/sqftEst. $2,600/moMLS# 2147555

Beds

Baths

2,269

Sq Ft

2021

Built

Garage

Pool

About this home

Grand Creek North

Welcome to this beautifully upgraded home located in the highly sought-after Grand Creek community in St. Johns. Backing to peaceful preserve views with ample privacy, this home offers the perfect blend of comfort, functionality, and Florida outdoor living. Inside, you'll find thoughtful upgrades throughout including updated light fixtures, custom backsplash accents, and a spacious 3-car garage. The extended lanai creates the ideal setting for entertaining or relaxing while overlooking your backyard garden oasis featuring growing plum, plantain, banana, and tangerine trees. A rare opportunity awaits qualified buyers with an assumable VA loan at an incredible 2.5% interest rate, offering substantial long-term savings in today's market. As an added bonus, nearly all furniture can convey with a strong offer, excluding the primary bedroom furniture, making this an exceptional move-in-ready opportunity.

Cost to own

Mortgage calculator

Home Price

$510,000

Down Payment: 20%

$102,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,600

Principal & Interest: $2,600

Property taxes (est.): $679

Insurance (est.): $340

Estimated Total Monthly

$3,619

*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$2,600

Property taxesest. at asking price, St. Johns County$679

HOAbilled semi-annually$99

Estimated total, before insurance$3,378/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,606/yr · $384/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$415,806	$305,191	—
2024	$410,645	$295,882	—
2023	$391,931	$285,808	—
2022	$345,604	$276,027	—
2021	$65,000	$65,000	—

2025 property taxes (current owner): $4,606/yr

Estimated taxes if purchased at asking price: ~$8,100/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 1,595 current St. Johns 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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2021)

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

Solar potential: ~1,699 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

May 30, 2026Listed$510,000

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

Features

Price$510,000

Price / Sq Ft$225

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,269

Acres0.30 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

StatusActive Under Contract

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryTrout Creek Academy

MiddleTrout Creek Academy

HighBartram Trail

Community Information

Address395 Brown Bear, Jacksonville, FL 32259

Area302-Orangedale Area

SubdivisionGrand Creek North

CityJacksonville

CountySt. Johns

StateFL

Zip Code32259

Lot Size13,068 sq ft

Parcel Number0100812070

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center

UtilitiesCable Available, Electricity Connected, Sewer Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Range, Microwave, Refrigerator, Washer, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryGas Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)