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Active Under Contract

Active Under Contract·79 days on market·Marsh Creek

5440 Spring Brook Road

Jacksonville, FL 32277

$285,000$189/sqftEst. $1,480/moMLS# 2152657

Beds

Baths

1,508

Sq Ft

1986

Built

Garage

Pool

About this home

Marsh Creek

**Seller will install new roof prior to close with an acceptable offer!** Ready to enjoy easy Florida living? This 3 bedroom, 2 bath home offers 1,508 sq. ft. of bright, welcoming space with tile flooring throughout the main living areas, skylights that fill the home with natural light, and a wood burning fireplace that adds warmth and character. The kitchen features newer stainless steel appliances, while the covered patio and wraparound back porch provide the perfect setting for relaxing, entertaining, or simply enjoying the outdoors. With an HOA of just $165 per quarter, including weekly front lawn service plus access to a community pool, basketball and tennis courts, you'll spend less time on upkeep and more time enjoying home. The neighborhood also offers beautiful views of the St. Johns River, adding to the peaceful atmosphere. Move right in and enjoy all this welcoming community has to offer.

Cost to own

Mortgage calculator

Home Price

$285,000

Down Payment: 20%

$57,000

Interest Rate: 6.76%

Loan Term

Monthly Payment

$1,480

Principal & Interest: $1,480

Property taxes (est.): $465

Insurance (est.): $190

Estimated Total Monthly

$2,136

*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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 · 6.76% · 30yr$1,480

Property taxesest. at asking price, Duval County$465

HOAbilled quarterly$55

Estimated total, before insurance$2,001/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,334/yr · $195/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$213,879	$100,734	—
2024	$214,476	$97,188	▲ $16,780
2023	$201,679	$89,737	—
2022	$189,752	$85,667	—
2021	$140,951	$81,716	—
2020	$129,898	$79,898	—

2025 property taxes (current owner): $2,334/yr

Estimated taxes if purchased at asking price: ~$5,600/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: material not specified — year not disclosed (home built 1986)

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: ~1,279 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

Price & status history

Jul 27, 2026Active Under Contract$285,000
Jul 20, 2026Price change$285,000−$14,900
Jul 14, 2026Active Under Contract$299,900
Jul 7, 2026Price change$299,900+$4,900
Jun 26, 2026Listed$295,000

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

Features

Price$285,000

Price / Sq Ft$189

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,508

Acres0.10 acres

Year Built1986

TypeResidential

Sub-TypeSingle Family Residence

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesNorth

Community Information

Address5440 Spring Brook Road, Jacksonville, FL 32277

Area041-Arlington

SubdivisionMarsh Creek

CityJacksonville

CountyDuval

StateFL

Zip Code32277

Lot Size4,356 sq ft

Parcel Number1281971062

Amenities

AmenitiesPool, Tennis Court(s)

UtilitiesCable Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesEat-in Kitchen, Primary Bathroom - Shower No Tub, Vaulted Ceiling(s)

AppliancesDishwasher, Electric Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

Window FeaturesSkylight(s)

Exterior

Patio / PorchCovered, Deck, Rear Porch, Side Porch, Wrap Around

Additional Information

Date ListedJune 26, 2026

Days on Market31

HOA Fees$165 / Quarterly

HOA FrequencyQuarterly

HOA Fee IncludesMaintenance Grounds, Other

Tax Amount$2,334.29

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

The neighborhood

About Marsh Creek

Marsh Creek is a neighborhood in St. Augustine, FL (Duval County), ZIP 32277.

View all Marsh Creek homes for sale →

Listing Courtesy of: CASTILLO REAL ESTATE JAX

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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Your Local Realtor

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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