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·50 days on market

1313 Fred Gray Road

Jacksonville, FL 32218

$429,900$244/sqftEst. $2,212/moMLS# 2152229

Beds

Baths

1,759

Sq Ft

2026

Built

Garage

Pool

About this home

Jacksonville

UNDER CONSTRUCTION: SLAB POURED 6/13/2026. BEAUTIFUL 1759SF, 4BEDROOM/2BATH HOME IS JUST BEGINNING CONSTRUCTION. HARBOR GRAY CABINETS, GRANITE COUNTERTOPS. REVWOOD FLOORING IN LIVING AREAS, WITH CARPET IN THE BEDROOMS. HOME COMES WITH STAINLESS STEEL KITCHEN APPLIANCES. HOME COMES WITH 1YR BUILDER WARRANTY AND TERMITE BOND. HOME WILL HAVE COVERED LANAI TO SIT AND ENJOY YOUR HALF ACRE PROPERTY. **This home will have a performance engineered septic system which will have city required yearly maintenance agreement and fee.

Cost to own

Mortgage calculator

Home Price

$429,900

Down Payment: 20%

$85,980

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,212

Principal & Interest: $2,212

Property taxes (est.): $702

Insurance (est.): $287

Estimated Total Monthly

$3,201

*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$2,212

Property taxesest. at asking price, Duval County$702

Estimated total, before insurance$2,914/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	$39,479	$31,340	—
2024	$39,479	$28,491	—
2023	$36,554	$25,901	—
2022	$36,554	$23,547	▲ $4,386
2021	$32,168	$21,407	—
2020	$22,664	$19,461	—

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 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.

Solar potential: ~1,294 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