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·88 days on market

1489 W 23rd Street

Jacksonville, FL 32209

$199,999$167/sqftEst. $1,068/moMLS# 2153801

Beds

2.5

Baths

1,200

Sq Ft

2026

Built

Garage

Pool

FEMA Zone XNo HOASingle Family Residence2 storiesNew construction

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 333-8595 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville

A promotional interest rate as low as 3.75% may be available to qualified buyers! Subject to lender approval; terms apply. Be the first to own this brand-new 2026 construction! Designed for easy, everyday living, this move-in-ready home features an open floor plan with taller ceilings, luxury vinyl plank flooring, and a kitchen overlooking the living and dining areas. Quartz countertops, stainless steel appliances, and modern finishes create a stylish yet functional space for everyday living and entertaining. All bedrooms are located upstairs, offering added privacy from the main living areas. Enjoy a spacious fenced backyard with plenty of room for pets, outdoor entertaining, gardening, or simply relaxing. With NO HOA and NO CDD fees, you'll have the freedom to enjoy your property without additional monthly assessments. Conveniently located just minutes from Downtown Jacksonville, I-95, I-10, and Jacksonville International Airport.

Next steps in Atlantic Beach

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$1,068

Property taxesest. at asking price, Duval County$327

Estimated total, before insurance$1,394/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

Home Price

$199,999

Down Payment: 20%

$40,000

Interest Rate: 7.03%

Loan Term

Monthly Payment

$1,068

Principal & Interest: $1,068

Property taxes (est.): $327

Insurance (est.): $133

Estimated Total Monthly

$1,528

*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.

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: ~1,698 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.

Sun & Light

North-facing backyard — the shade-and-soft-light lot

The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:20 AM, sunset 7:12 PM.

The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
Winter afternoons on the lanai run dim earlier than any other orientation.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

Jul 4, 2026Listed$199,999

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

Features

Price$199,999

Price / Sq Ft$167

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,200

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary, Traditional

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Direction FacesSouth

School Information

MiddleSelect One

Community Information

Address1489 W 23rd Street, Jacksonville, FL 32209

Area075-Trout River/College Park/Ribault Manor

SubdivisionMoncreif Park

CityJacksonville

CountyDuval

StateFL

Zip Code32209

Parcel Number086819-0010

ZoningResidential

Amenities

UtilitiesElectricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesDishwasher, Electric Oven, Electric Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Vinyl

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

Exterior

Patio / PorchRear Porch

RoofShingle

ConstructionFiber Cement

Road SurfaceAsphalt

Road FrontageCity Street

Additional Information

Date ListedJuly 4, 2026

Days on Market86

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionYes

Listing Courtesy of: BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY

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.

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