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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville a new construction home in Jacksonville.

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Active·45 days on market

10114 Whistling Pine Court

Jacksonville, FL 32221

$239,890Est. $1,235/moMLS# 2152966
3
Beds
2
Baths
0
Sq Ft
2026
Built
1
Garage
No
Pool

About this home

Jacksonville

Experience the convenience of low-maintenance townhome living in this beautifully crafted Landmark floor plan, where lawn care is included for added peace of mind. Featuring 3 bedrooms, 2.5 bathrooms, a spacious 2-car driveway, and a bright open-concept layout, this home is designed to fit today's lifestyle. The stylish kitchen is equipped with stainless steel appliances, quartz countertops, elegant cabinetry, a generous center island, and a walk-in pantry, all overlooking the dining area and gathering room. Upstairs, a versatile loft offers endless possibilities as a home office, media room, or play area, while all three bedrooms are conveniently situated on the same level. Enjoy your own private patio, an ideal spot to unwind or enjoy the outdoors. Move-in ready and thoughtfully appointed, this home also includes a Smart Home Package, refrigerator, washer, dryer, window blinds, and a garage door opener. Schedule your tour today!

Cost to own

Mortgage calculator

$239,890
$47,978
Loan Term
Monthly Payment
$1,235
Principal & Interest: $1,235
Property taxes (est.): $392
Insurance (est.): $160
Estimated Total Monthly
$1,786
*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$1,235
Property taxesest. at asking price, Duval County$392
HOAbilled monthly$195
Estimated total, before insurance$1,821/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$781/yr · $65/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

YearMarket valueTaxable valueChange
2025$44,000$44,000

2025 property taxes (current owner): $781/yr

Estimated taxes if purchased at asking price: ~$4,700/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: ~1,641 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 29, 2026Listed$239,890

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

Features

Price$239,890
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Acres0.05 acres
Year Built2026
TypeResidential
Sub-TypeTownhouse
StyleVilla
Property ConditionUnder Construction
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

ElementaryCrystal Springs
MiddleChaffee Trail
HighEdward White

Community Information

Address10114 Whistling Pine Court, Jacksonville, FL 32221
Area062-Crystal Springs/Country Creek Area
SubdivisionNormandy Pines Townhomes
CityJacksonville
CountyDuval
StateFL
Zip Code32221
Lot Size2,178 sq ft
Parcel Number0090210710
ZoningResidential

Amenities

AmenitiesNone
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener, Off Street

Interior

Interior FeaturesEat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s), Other
AppliancesOther, Dishwasher, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingElectric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories2
LevelsTwo

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJune 29, 2026
Days on Market43
HOA Fees$195 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesWater
Tax Amount$780.61
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: PULTE REALTY OF NORTH FLORIDA, LLC.

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

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

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