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·49 days on market

1004 Stark Street

Jacksonville, FL 32208

$239,990$199/sqftEst. $1,238/moMLS# 2151202

Beds

Baths

1,209

Sq Ft

2026

Built

Garage

Pool

About this home

Jacksonville

Discover this beautifully crafted 3-bedroom, 2-bath home on Jacksonville's Northside, offering 1,209 square feet of comfortable living space. Designed with both style and functionality in mind, the home features a bright open-concept layout that's ideal for entertaining and everyday living. The modern kitchen flows seamlessly into the living and dining areas, while the split-bedroom floor plan provides added privacy for the owner's suite. Contemporary finishes throughout create a fresh, inviting atmosphere, and the thoughtful design maximizes every square foot to provide comfortable, functional living. Conveniently located near shopping, dining, and major roadways, this move-in-ready home is one you won't want to miss.

Cost to own

Mortgage calculator

Home Price

$239,990

Down Payment: 20%

$47,998

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,238

Principal & Interest: $1,238

Property taxes (est.): $392

Insurance (est.): $160

Estimated Total Monthly

$1,789

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,238

Property taxesest. at asking price, Duval County$392

Estimated total, before insurance$1,629/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.

Cost to own

Taxes & assessment

Last sold: $12,100 in January 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$26,197	$23,731	▲ $4,623
2024	$21,574	$21,574	▲ $1,541
2023	$20,033	$16,780	▲ $1,541
2022	$18,492	$15,255	—
2021	$67,461	$67,461	▲ $3,082
2020	$62,478	$62,478	▲ $1,541

2025 property taxes (current owner): $437/yr

Estimated taxes if purchased at asking price: ~$4,700/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 C

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

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.

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. Municipal drinking water per the county inventory.

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

Solar potential: ~1,360 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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