This home is in Jacksonville.
Pending·50 days on market
1146 Hammock Dunes Drive
Jacksonville, FL 32221
About this home
Jacksonville
Welcome to 1146 Hammock Dunes Drive, showcasing the Berkeley plan located in the serene Panther Creek community. This carefully designed new construction home offers a well- balanced combination of modern style, living space, and energy efficient features in one of West Jacksonville's most established neighborhoods. The Berkeley plan is complete with an open-concept design ideal for entertaining and everyday living. The kitchen features elegant, easy to maintain, quartz countertops, upgraded cabinetry, stainless steel appliances, a large center island and ample corner pantry. The private primary suite includes dual vanities, a walk-in shower and a linen closet. Three secondary bedrooms are thoughtfully positioned for privacy and comfort. Step outside to enjoy the covered and extended lanai. An ideal space to enjoy the Florida lifestyle. Additional highlights include. professionally curated design finishes, energy efficient construction and exceptional community amenities.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
Last sold: $3,596,600 in January 2024(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $60,000 | $60,000 | — |
| 2024 | $56,000 | $56,000 | — |
| 2023 | $67,500 | $67,500 | — |
2025 property taxes (current owner): $1,064/yr
Estimated taxes if purchased at asking price: ~$6,300/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.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 2026)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,756 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 homeThis 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.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: DRB GROUP REALTY LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines