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 Jacksonville — a new construction home in Jacksonville.

1 / 38

Active

Active·81 days on market

8871 Hipps Road

Jacksonville, FL 32222

$349,990$191/sqftEst. $1,797/moMLS# 2148048

Beds

Baths

1,835

Sq Ft

2026

Built

Garage

Pool

About this home

Jacksonville

Ask about our exclusive builder incentives! Welcome to this BRAND-NEW CONSTRUCTION 4-bedroom, 2-bath home with a flex room and NO HOA or CDD fees. This homes presents an opportunity to watch your home be built before your eyes! Designed with modern living in mind, this home features an open-concept layout and a stylish kitchen complete with quartz countertops, white shaker cabinets, stainless steel appliances, and ample storage. The private owner's suite offers a walk-in closet and en-suite bathroom, while three additional bedrooms provide plenty of space for family, guests, or hobbies. The versatile flex room is perfect for a home office, playroom, or additional living area. A dedicated laundry room and two-car garage add everyday convenience. Situated on a spacious lot with room for your boat, RV, or ATVs, this home offers the perfect balance of comfort and freedom. Conveniently located, making it easy to access everything Jacksonville has to offer.

Cost to own

Mortgage calculator

Home Price

$349,990

Down Payment: 20%

$69,998

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,797

Principal & Interest: $1,797

Property taxes (est.): $572

Insurance (est.): $233

Estimated Total Monthly

$2,602

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,797

Property taxesest. at asking price, Duval County$571

Estimated total, before insurance$2,369/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,003/yr · $84/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	$46,005	$32,300	▲ $3,317
2024	$42,488	$29,364	—
2023	$37,435	$26,695	—
2022	$30,470	$24,269	▲ $1,749
2021	$26,574	$22,063	▲ $2,653
2020	$23,694	$20,058	▲ $3,980

2025 property taxes (current owner): $1,003/yr

Estimated taxes if purchased at asking price: ~$6,900/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.

Outside all hurricane evacuation zones

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

Roof: material not specified — year not disclosed (home built 2026)

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

Likely septic · Public water · JEA

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,296 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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