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 Cypress Trails, Jacksonville — a home near Atlantic Coast High School.

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Active Under Contract

Active Under Contract·93 days on market·Cypress Trails

95 Stony Ford Drive

Jacksonville, FL 32081

$699,000$223/sqftEst. $3,594/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: 6.66%

Loan Term

Monthly Payment

$3,594

Principal & Interest: $3,594

Property taxes (est.): $1,141

Insurance (est.): $466

Estimated Total Monthly

$5,201

*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$3,594

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

HOAbilled annually$33

Estimated total, before insurance$4,768/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,398/yr · $533/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	$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

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

Aug 10, 2026Active Under Contract$699,000
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 Under Contract

# 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)

UtilitiesCable Available, Electricity 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, Tankless Water Heater, Washer, Water Softener Owned

HeatingElectric

CoolingCentral Air

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Lower Level