This home is in Jacksonville.

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Active

Active·39 days on market

4618 Farmhouse Gate Trail

Jacksonville, FL 32226

$449,000$173/sqftEst. $2,289/moMLS# 2149730

Beds

Baths

2,596

Sq Ft

2022

Built

Garage

Pool

About this home

Jacksonville

Two year home warranty with this beauty. Enjoy privacy and peaceful living in this beautifully maintained, practically new home that backs up to a preserve with no rear neighbors. The open-concept floor plan creates a bright, spacious feel, perfect for both everyday living and entertaining. office could be a 4th bedroom The gorgeous kitchen is the heart of the home, featuring quartz countertops, stainless steel appliances, ample cabinetry, and a large island overlooking the main living areas. Beautiful flooring throughout adds style and warmth. Step outside to the screened lanai and relax while enjoying the serene natural backdrop. Across the street, you'll appreciate picturesque pond views that enhance the neighborhood's charm. The primary suite offers a true retreat, complete with a stunning, spa-like shower that's sure to impress--it's a must-see!

Cost to own

Mortgage calculator

Home Price

$449,000

Down Payment: 20%

$89,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,289

Principal & Interest: $2,289

Property taxes (est.): $733

Insurance (est.): $299

Estimated Total Monthly

$3,322

*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$2,289

Property taxesest. at asking price, Duval County$733

HOAbilled monthly$72

Estimated total, before insurance$3,094/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,256/yr · $605/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

Last sold: $468,300 in October 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$430,051	$376,463	—
2024	$415,146	$365,146	▲ $8,532
2023	$408,337	$358,337	▲ $14,954
2022	$65,000	$63,447	—

2025 property taxes (current owner): $7,256/yr

Estimated taxes if purchased at asking price: ~$8,800/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: material not specified — year not disclosed (home built 2022)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,714 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

Jun 18, 2026Listed$449,000

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

Features

Price$449,000

Price / Sq Ft$173

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,596

Acres0.17 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address4618 Farmhouse Gate Trail, Jacksonville, FL 32226

Area096-Ft George/Blount Island/Cedar Point

SubdivisionBradley Pond

CityJacksonville

CountyDuval

StateFL

Zip Code32226

Lot Size7,405.2 sq ft

Parcel Number1598560505

Amenities

AmenitiesJogging Path, Park, Playground

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage, Garage Door Opener

ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesElectric Water Heater, Gas Range, Microwave

HeatingCentral, Electric, Heat Pump

CoolingAttic Fan, Central Air, Electric

FlooringCarpet, Vinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup