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·44 days on market

431 E 7th Street

Jacksonville, FL 32206

$435,000$232/sqftEst. $2,243/moMLS# 2152191

Beds

Baths

1,874

Sq Ft

2026

Built

—

Garage

Pool

About this home

Jacksonville

New Construction Opportunity - Cypress Floor Plan by M&M Homes! Multiple other floor plans and homes sites available, discuss with builder. Secure this semi-custom home in Historic Springfield, with completion in approximately 5-6 months from accepted contract. Designer-curated upgraded finish package included buyer will have an option to change finishes. Limited-time builder incentives available through September 30, 2026: • $10,000 toward closing costs with preferred lender • $1,000 in free additional upgrades Outstanding builder warranty: 10-year structural, 1-year workmanship, plus extended HVAC coverage on both HVAC 5 years labor and parts and 10 years on parts.

Cost to own

Mortgage calculator

Home Price

$435,000

Down Payment: 20%

$87,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,243

Principal & Interest: $2,243

Property taxes (est.): $710

Insurance (est.): $290

Estimated Total Monthly

$3,244

*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$2,243

Property taxesest. at asking price, Duval County$710

Estimated total, before insurance$2,954/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	$26,488	$26,488	—
2024	$23,177	$9,121	—
2023	$18,825	$8,292	—
2022	$17,028	$7,539	—
2021	$15,798	$6,854	—
2020	$9,933	$6,231	—

2026 property taxes (current owner): $470/yr

Estimated taxes if purchased at asking price: ~$8,500/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

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

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

Solar potential: ~1,674 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

Jun 24, 2026Listed$435,000

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

Features

Price$435,000

Price / Sq Ft$232

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage1,874

Acres0.06 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionTo Be Built

StatusActive

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryAndrew A. Robinson

MiddleDarnell Cookman

HighWilliam M. Raines

Community Information

Address431 E 7th Street, Jacksonville, FL 32206

Area072-Springfield

SubdivisionSpringfield

CityJacksonville

CountyDuval

StateFL

Zip Code32206

Lot Size2,613.6 sq ft

Lot Dimensions26' x 100'

Parcel Number0722290000

ZoningSingle Family

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyLighting, Windows

ParkingOff Street

Interior

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

AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Instant Hot Water, Microwave, Plumbed For Ice Maker, Tankless Water Heater

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric, Multi Units

FlooringVinyl

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Upper Level, Washer Hookup

SecuritySmoke Detector(s)