This home is in Jacksonville.

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Active

Active·45 days on market

7421 Bowden Road

Jacksonville, FL 32216

$509,900$245/sqftEst. $2,600/moMLS# 2150356

Beds

Baths

2,084

Sq Ft

2026

Built

Garage

Pool

About this home

Jacksonville

UNDER CONSTRUCTION. Beautiful 4/2 home with an office space, and covered lanai, in desirable Southside area, near shopping & restaurants. Plus, only 20min to the beach. The open concept floor plan is always a plus, and the inclusion of white cabinets, granite countertops, and REVWOOD flooring in living areas (with carpet in the bedrooms) will add a modern and comfortable touch. The stainless-steel appliance package which includes a side-by-side fridge, self-cleaning glass top range, dishwasher, and OTR microwave are a great convenience for any homeowner (range & fridge go in about a week before closing). It's also reassuring that the home comes with a 1-year builder warranty and termite bond, providing peace of mind for the buyer. This property is well-equipped and designed for modern living. The combination of features and location makes it a compelling option for those looking for a new home. Staging photos are an example, colors, finishes, fixtures may vary.

Cost to own

Mortgage calculator

Home Price

$509,900

Down Payment: 20%

$101,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,600

Principal & Interest: $2,600

Property taxes (est.): $833

Insurance (est.): $340

Estimated Total Monthly

$3,772

*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$2,600

Property taxesest. at asking price, Duval County$833

Estimated total, before insurance$3,432/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.

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 2026)

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

Likely septic

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,615 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