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This home is in Kettering at eTown, Jacksonville.

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Active·45 days on market·Kettering at eTown

10105 Element Road

Jacksonville, FL 32256

$535,741$230/sqftEst. $2,732/moMLS# 2149493
4
Beds
3
Baths
2,331
Sq Ft
2026
Built
2
Garage
No
Pool

About this home

Kettering at eTown

''Final opportunities in Kettering at eTown!'' Limited-Time 4.99% Fixed Rate Available! Qualified buyers may receive a 4.99% fixed rate on VA, FHA, or Conventional financing through Grace Home Lending. With detailed exterior trim, soothing colors and stone accents, the Acosta in Villas at Kettering in eTown offers strong curb appeal and character. Step through the 8-foot entry door into a foyer with soaring ceilings and a staircase that sets the tone for this thoughtfully designed home. The kitchen features painted stone gray cabinetry, black hardware, quartz countertops, a stainless vent hood and a natural gas cooktop. The expansive island creates a central gathering space for both everyday meals and entertaining. Sliding glass doors open to a fenced backyard with preserve views, extending the living space outdoors. A bedroom and full bath on the main level provide flexibility for a guest suite, home office or additional living space.

Cost to own

Mortgage calculator

$535,741
$107,148
Loan Term
Monthly Payment
$2,732
Principal & Interest: $2,732
Property taxes (est.): $875
Insurance (est.): $357
Estimated Total Monthly
$3,963
*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$2,732
Property taxesest. at asking price, Duval County$875
HOAbilled monthly$240
Estimated total, before insurance$3,846/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.

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 2026)

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

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

  • Jun 8, 2026Listed$535,741

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

Features

Price$535,741
Price / Sq Ft$230
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,331
Year Built2026
TypeResidential
Sub-TypeTownhouse
StyleTraditional
Property ConditionTo Be Built
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

ElementaryMandarin Oaks
MiddleTwin Lakes Academy
HighAtlantic Coast

Community Information

Address10105 Element Road, Jacksonville, FL 32256
Area027-Intracoastal West-South Of Jt Butler Blvd
SubdivisionKettering at eTown
CityJacksonville
CountyDuval
StateFL
Zip Code32256
Parcel Number00000000

Amenities

AmenitiesPool, Dog Park, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Park, Playground
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener, Gated

Interior

Interior FeaturesKitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Disposal, Gas Cooktop, Microwave, Tankless Water Heater
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Sink, Upper Level, Washer Hookup
SecurityCarbon Monoxide Detector(s), Firewall(s), Security Gate, Smoke Detector(s)

Exterior

Exterior FeaturesBalcony
RoofShingle
ConstructionFrame
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedJune 9, 2026
Days on Market43
HOA Fees$240 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesMaintenance Grounds, Maintenance Structure, Pest Control
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

The neighborhood

About Kettering at eTown

Kettering at eTown is a neighborhood in eTown, FL (Duval County), ZIP 32256.

View all Kettering at eTown homes for sale →

Listing Courtesy of: WEEKLEY HOMES REALTY

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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Your Local Expert

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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