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 gated community home in Jacksonville.

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Active

Active·56 days on market

11185 Little Trout Way

Jacksonville, FL 32219

$875,000Est. $4,494/moMLS# 2152621

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Garage

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About this home

Jacksonville

There will only ever be eleven--Claim No. 4 is one of them. Set inside Congaree & Penn, a working farm of restaurant garden, citrus, and hundred-year oaks outside Jacksonville. You enter beneath a stand of live oaks, then cross nearly 800 feet of open pasture--ideal for horses, or ponds and water features of your own design--before a second line of trees opens to a private clearing where a home can be framed inside the canopy, with no neighbor behind you or on either side. Open and unhurried at the front, deeply private at the heart. What you're claiming isn't square footage; it's mornings at the farm stand, suppers pulled from the field, and a sense of place you earn simply by being here. Ten claims will follow. None will repeat--the quiet luxury of belonging to something deliberately, permanently small. Claim No. 4 · The Eleven at Congaree & Penn · Claims Register open. Private showings by appointment.

Cost to own

Mortgage calculator

Home Price

$875,000

Down Payment: 20%

$175,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$4,494

Principal & Interest: $4,494

Property taxes (est.): $1,429

Insurance (est.): $583

Estimated Total Monthly

$6,506

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$4,494

Property taxesest. at asking price, Duval County$1,429

HOAbilled annually$333

Estimated total, before insurance$6,256/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 C

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

Roof: material not specified

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

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