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

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Active

Active·73 days on market

1046 Welda Lane

Jacksonville, FL 32221

$399,900$174/sqftEst. $2,118/moMLS# 2154389

↓ $1,650 below original list

Beds

Baths

2,298

Sq Ft

2026

Built

Garage

Pool

FEMA Zone XHOA $95/mo4,792 sqft lotSingle Family Residence2 storiesNew construction

About this home

Jacksonville

Pre-Construction. To Be Built. Introducing The Lancaster, a beautifully crafted two story home from the prestigious Heritage Collection, where timeless elegance meets modern comfort. Thoughtfully designed with stylish finishes and versatile living spaces, this exceptional residence in Cassie Oaks, blends classic architecture with the conveniences of today's lifestyle. An inviting foyer welcomes you into the open concept main living area, where the spacious great room, dining area, and beautifully appointed kitchen come together in a bright, seamless design. Luxury vinyl flooring extends throughout the main living spaces, while the highly sought after first floor fourth bedroom and full bath add exceptional flexibility. The full bath features a tiled shower and its own linen closet. At the heart of the home, the kitchen showcases a large island, granite countertops, tile backsplash, walk in pantry, and stainless steel appliances, creating a space

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$2,118

Property taxesest. at asking price, Duval County$653

HOAbilled monthly$95

Estimated total, before insurance$2,866/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

$399,900

Down Payment: 20%

$79,980

Interest Rate: 6.95%

Loan Term

Monthly Payment

$2,118

Principal & Interest: $2,118

Property taxes (est.): $653

Insurance (est.): $267

Estimated Total Monthly

$3,037

*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,218 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

Sep 1, 2026Price change$399,900−$1,650
Jul 8, 2026Listed$401,550

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

Features

Price$399,900

Price / Sq Ft$174

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,298

Acres0.11 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionTo Be Built

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Direction FacesEast

School Information

ElementaryCrystal Springs

MiddleChaffee Trail

HighEdward White

Community Information

Address1046 Welda Lane, Jacksonville, FL 32221

Area062-Crystal Springs/Country Creek Area

SubdivisionNot Validd

CityJacksonville

CountyDuval

StateFL

Zip Code32221

Lot Size4,791.6 sq ft

Parcel Number0087280010

Amenities

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesEntrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Home, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)

Exterior

Lot DescriptionCul-De-Sac

Patio / PorchRear Porch, Screened

RoofShingle

ConstructionBlock, Frame, Stucco, Vinyl Siding

Additional Information

Date ListedJuly 8, 2026

Days on Market55

HOA Fees$95 / Monthly

HOA FrequencyMonthly

HOA NameC/O Maronda Home

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionYes

Listing Courtesy of: NEW HOME STAR FLORIDA LLC · bhoyt@newhomestar.com

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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