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Active

Active·36 days on market

16143 Kayla Cove Court

Jacksonville, FL 32218

$430,000$142/sqftEst. $2,192/moMLS# 2151531

Beds

Baths

3,022

Sq Ft

2015

Built

Garage

Pool

About this home

Jacksonville

Welcome to this beautifully maintained Providence Homes residence on a serene lakefront cul-de-sac in the highly desirable Yellow Bluff Landing community. Offering 3,022 sq ft, this two-story home features 4 bedrooms, 3.5 baths, and a thoughtfully designed layout with a dedicated home office. The first floor includes a spacious owner's suite, private office, formal dining, and an open-concept family room that flows seamlessly into the kitchen. The gourmet kitchen is equipped with stainless steel appliances, cooktop, wall oven, granite countertops, and a stylish tile backsplash, perfect for everyday living and entertaining. Upstairs offers a generous loft, three additional bedrooms, and two full baths. Enjoy peaceful lake views from the screened-in patio. Built in 2015 and freshly updated with new interior/exterior paint and new carpet throughout bedrooms and upstairs, this move-in-ready home combines comfort, style, and location. Schedule a showing today!!!

Cost to own

Mortgage calculator

Home Price

$430,000

Down Payment: 20%

$86,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,192

Principal & Interest: $2,192

Property taxes (est.): $702

Insurance (est.): $287

Estimated Total Monthly

$3,181

*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$2,192

Property taxesest. at asking price, Duval County$702

HOAbilled annually$6

Estimated total, before insurance$2,901/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

Year	Market value	Taxable value	Change
2025	$366,017	$366,017	—
2024	$357,617	$357,617	▲ $13,945
2023	$387,497	$368,560	—
2022	$335,055	$335,055	▲ $24,002
2021	$265,500	$205,590	—
2020	$252,853	$202,062	—

Estimated taxes if purchased at asking price: ~$8,400/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 E

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

Roof: Shingle — year not disclosed (home built 2015)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

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

Solar potential: ~1,690 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

Jul 21, 2026Price change$430,000−$10,000
Jun 20, 2026Listed$440,000

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

Features

Price$430,000

Price / Sq Ft$142

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,022

Year Built2015

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address16143 Kayla Cove Court, Jacksonville, FL 32218

Area092-Oceanway/Pecan Park

SubdivisionYellow Bluff Landing

CityJacksonville

CountyDuval

StateFL

Zip Code32218

Parcel Number1080953725

Amenities

AmenitiesBasketball Court, Children's Pool, Clubhouse, Fitness Center, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewLake, Pond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Lower Level, Sink, Washer Hookup