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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

Active·87 days on market

12050 Marsh Terrapin Drive

Jacksonville, FL 32226

$484,000$211/sqftEst. $2,584/moMLS# 2153156
↓ $45,390 below original list
3
Beds
2.5
Baths
2,289
Sq Ft
2026
Built
3
Garage
No
Pool
FEMA Zone XHOA $75/moSingle Family Residence1 storyNew construction

About this home

Jacksonville

Experience the Mahogany floor plan with a classic Craftsman-style exterior. This thoughtfully designed 3-bedroom, 2.5-bath home features an open-concept layout, a 3-car garage, and stylish Luxury Vinyl Plank flooring throughout the main living areas. The gourmet kitchen offers white cabinetry, quartz countertops, a Tender Gray subway tile backsplash, and a full Whirlpool appliance package, including the refrigerator. It flows seamlessly into the gathering room and café before opening to an extended covered lanai. Additional highlights include a smart home package, 8-foot interior doors, a laundry room sink, water softener pre-plumbing, and more. Residents will soon enjoy exceptional resort-style amenities, including a clubhouse, pool, fitness center, cabana, and scenic walking trails. Tour today!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$2,584
Property taxesest. at asking price, Duval County$790
HOAbilled monthly$75
Estimated total, before insurance$3,449/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$484,000
$96,800
Loan Term
Monthly Payment
$2,584
Principal & Interest: $2,584
Property taxes (est.): $790
Insurance (est.): $323
Estimated Total Monthly
$3,697
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

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 D

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

Roof: material not specified — year not disclosed (home built 2026)

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

Solar potential: ~1,697 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

  • Sep 10, 2026Price change$484,000−$15,000
  • Aug 12, 2026Price change$499,000−$5,000
  • Aug 5, 2026Price change$504,000−$5,390
  • Jul 9, 2026Price change$509,390−$20,000
  • Jun 30, 2026Listed$529,390

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

Features

Price$484,000
Price / Sq Ft$211
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,289
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleCraftsman
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

MiddleOther

Community Information

Address12050 Marsh Terrapin Drive, Jacksonville, FL 32226
Area092-Oceanway/Pecan Park
SubdivisionTerrapin Creek
CityJacksonville
CountyDuval
StateFL
Zip Code32226
Parcel Number1598540610

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Available
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewOther

Interior

Interior FeaturesBuilt-in Features, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Home, Walk-In Closet(s), Other
AppliancesOther, Dishwasher, Electric Oven, Electric Range, Microwave, Refrigerator
HeatingElectric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile, Vinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Gas Dryer Hookup, Sink, Washer Hookup

Exterior

Lot DescriptionOther
Patio / PorchCovered, Front Porch, Rear Porch

Additional Information

Date ListedJune 30, 2026
Days on Market72
HOA Fees$75 / Monthly
HOA FrequencyMonthly
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 through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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