10115 Element Road

Jacksonville, FL 32256

$530,121$224/sqftEst. $2,725/moMLS# 2149910

Beds

Baths

2,367

Sq Ft

2026

Built

Garage

Pool

About this home

Kettering at eTown

''Final opportunities in Kettering at eTown!'' Designed like the model home, The Rosamond villa in Villas at Kettering in eTown offers a versatile layout suited for both entertaining and everyday living. An open dining area welcomes you in and flows into the kitchen and living spaces. The kitchen features painted linen white shaker style cabinetry, a stainless vent hood, quartz countertops and a subway tile backsplash. Luxury vinyl plank flooring extends through the main living areas, creating a cohesive and durable finish. A flexible space on the main level provides options for a home office, hobby room or play area. This area is designed to adapt to your lifestyle needs. Upstairs, three additional bedrooms are paired with a second flex space that can serve as a game room or media room. The Owner's Retreat offers a spacious and relaxing environment designed for comfort.

Cost to own

Mortgage calculator

Home Price

$530,121

Down Payment: 20%

$106,024

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,725

Principal & Interest: $2,725

Property taxes (est.): $866

Insurance (est.): $353

Estimated Total Monthly

$3,944

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,725

Property taxesest. at asking price, Duval County$866

HOAbilled monthly$240

Estimated total, before insurance$3,831/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.

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.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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.