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·46 days on market

401 Jackson Road

Jacksonville, FL 32225

$359,990$255/sqftEst. $1,849/moMLS# 2154147

Beds

Baths

1,410

Sq Ft

2026

Built

Garage

Pool

About this home

Jacksonville

**Modern New Construction Across from the Park!** Welcome home to this beautifully designed 4-bedroom, 2-bath residence offering 1,410 square feet of thoughtfully crafted living space on Jacksonville's desirable Eastside. The open-concept layout seamlessly connects the kitchen, dining, and living areas, creating the perfect space for entertaining or everyday living. The stylish kitchen features modern finishes and flows effortlessly into the heart of the home. A spacious laundry room adds convenience, while the attached two-car garage provides plenty of storage and parking. Enjoy peaceful park views right across the street, offering easy access to green space, recreation, and outdoor activities. Conveniently located near shopping, dining, downtown Jacksonville, and major highways, this move-in-ready new construction home combines modern comfort with an unbeatable location. Don't miss your opportunity to make it yours!

Cost to own

Mortgage calculator

Home Price

$359,990

Down Payment: 20%

$71,998

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,849

Principal & Interest: $1,849

Property taxes (est.): $588

Insurance (est.): $240

Estimated Total Monthly

$2,677

*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$1,849

Property taxesest. at asking price, Duval County$588

Estimated total, before insurance$2,437/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,619/yr · $218/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
2024	$152,145	$120,923	—
2023	$130,410	$109,930	—
2022	$115,920	$99,937	▲ $21,735
2021	$94,185	$90,852	—
2020	$82,593	$82,593	—

2025 property taxes (current owner): $2,619/yr

Estimated taxes if purchased at asking price: ~$7,100/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 (2024), 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 2026)

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

Solar potential: ~1,260 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