This home is in Cypress Trails, Jacksonville.

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Active

Active·48 days on market·Cypress Trails

95 Stony Ford Drive

Jacksonville, FL 32081

$699,000$223/sqftEst. $3,720/moMLS# 2147686

Beds

Baths

3,139

Sq Ft

2015

Built

Garage

Pool

About this home

Cypress Trails

Experience luxury living in this beautifully designed 5-bedroom, 4-bath home in the highly sought-after Nocatee community. Thoughtfully designed with a spacious open-concept layout, this home features a dedicated office with French doors, a large upstairs ensuite, and a first-floor primary suite with a spa-inspired bath, soaking tub, oversized walk-in shower, and expansive closet. The gourmet kitchen showcases quartz countertops, abundant cabinetry, built-in appliances, a gas cooktop, decorative tile backsplash, and a massive island overlooking the living and dining areas. Enjoy indoor-outdoor living with oversized sliding glass doors leading to a screened lanai and fully fenced backyard. Additional highlights include engineered hardwood flooring, crown molding, generous storage, and a 3-car garage. Conveniently located near Nocatee's award-winning amenities, parks, trails, shopping, and dining.

Cost to own

Mortgage calculator

Home Price

$699,000

Down Payment: 20%

$139,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,553

Principal & Interest: $3,553

Est. Taxes & Insurance: $888

Estimated Total Monthly

$4,441

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$3,720

Property taxesest. at asking price, Duval County$1,141

HOAbilled annually$33

Estimated total, before insurance$4,895/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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	$598,887	$205,823	▲ $15,000
2024	$586,404	$199,174	—
2023	$624,820	$191,771	—
2022	$525,180	$184,584	—
2021	$390,350	$177,606	—
2020	$364,901	$174,395	—

2025 property taxes (current owner): $6,398/yr

Estimated taxes if purchased at asking price: ~$13,700/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 D

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

Roof: Shingle — year not disclosed (home built 2015)

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

Solar potential: ~1,730 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Jul 15, 2026Price change$699,000−$11,000
May 29, 2026Listed$710,000

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

Features

Price$699,000

Price / Sq Ft$223

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage3,139

Acres0.20 acres

Year Built2015

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryBartram Springs

MiddleTwin Lakes Academy

HighAtlantic Coast

Community Information

Address95 Stony Ford Drive, Jacksonville, FL 32081

Area029-Nocatee (Duval County)

SubdivisionCypress Trails At Nocatee

CityJacksonville

CountyDuval

StateFL

Zip Code32081

Lot Size8,712 sq ft

Parcel Number1681480320

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Park, Pickleball, Playground, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Gas Cooktop, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingElectric

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

# of Stories1

LevelsTwo

LaundryIn Unit, Lower Level