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.

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Pending

Pending·10 days on market

9822 Harper Village Circle

Jacksonville, FL 32219

$259,990$165/sqftEst. $1,338/moMLS# 2149686

Beds

Baths

1,580

Sq Ft

2026

Built

Garage

Pool

About this home

Jacksonville

Brand new, energy-efficient home available by Jul 2026! This villa has an open first floor with a spacious kitchen and great room. Upstairs secondary bedrooms have direct access to the full bath. Primary suite has an oversized walk-in closet, standing shower and dual sinks in the bath. Now Selling in Jacksonville, Florida! Cypress Meadows - Villa Series offers new, paired villa homes in Duval County. With convenient access to major employment centers and 1-295 beltway, this brand new community will be the perfect place to call home. Each of our homes is built with innovative, energy-efficient features designed to help you enjoy more savings, better health, real comfort and peace of mind.

Cost to own

Mortgage calculator

Home Price

$259,990

Down Payment: 20%

$51,998

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,338

Principal & Interest: $1,338

Property taxes (est.): $425

Insurance (est.): $173

Estimated Total Monthly

$1,936

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,338

Property taxesest. at asking price, Duval County$425

HOAbilled monthly$45

Estimated total, before insurance$1,808/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: material not specified — year not disclosed (home built 2026)

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

Solar potential: ~1,518 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