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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Active

Active·58 days on market

5862 Victoria Creek Lane

Jacksonville, FL 32219

$264,455$177/sqftEst. $1,361/moMLS# 2151015

Beds

Baths

1,492

Sq Ft

2026

Built

Garage

Pool

About this home

Jacksonville

This beautifully designed new construction villa called the Carson by D.R. Horton offering 1,492 square feet of low-maintenance living. This 3 bedroom, 2.5 bath home with a 1 car garage delivers modern style, smart functionality, and comfortable two-story living. The open-concept main floor is perfect for everyday life and entertaining. A spacious kitchen anchors the home, featuring ample cabinetry and counter space, and flows seamlessly into the gathering room to create a bright, connected living area. A convenient half bath downstairs adds extra functionality for guests. Upstairs, all three bedrooms are thoughtfully positioned for privacy. The owner's suite includes a private en-suite bath and generous closet space. Two additional bedrooms share a full bath, making this layout ideal for families, guests, or a home office. With its efficient floor plan, modern finishes, and attached 1 car garage, this D.R. Horton villa offers the perfect blend of comfort and convenience.

Cost to own

Mortgage calculator

Home Price

$264,455

Down Payment: 20%

$52,891

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,361

Principal & Interest: $1,361

Property taxes (est.): $432

Insurance (est.): $176

Estimated Total Monthly

$1,969

*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$1,361

Property taxesest. at asking price, Duval County$432

HOAbilled quarterly$61

Estimated total, before insurance$1,854/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

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 · Public water (record)

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: ~1,714 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