This home is in Jacksonville.

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Active

Active·18 days on market

6275 Sparkling Stream Trail

Jacksonville, FL 32234

$281,400$192/sqftEst. $1,435/moMLS# 2154391

Beds

Baths

1,468

Sq Ft

2026

Built

Garage

Pool

About this home

Jacksonville

The Pearson townhome offers a smart and inviting design that makes the most of every square foot, delivering approximately 1,468 square feet of comfortable living space with three bedrooms and 2.5 bathrooms. This well-planned layout creates a sense of openness from the moment you enter, with the kitchen, dining area, and main living space flowing together to support both daily routines and special gatherings. The kitchen is designed as a true focal point, featuring an oversized bar that provides plenty of room for meal preparation, casual dining, and connecting with guests while you cook. Large sliding glass doors off the living area bring in an abundance of natural light, brightening the home and creating a warm, welcoming atmosphere throughout the day. Upstairs, the primary bedroom serves as a private retreat, complete with a spacious walk-in closet and a well-appointed bathroom with a large vanity. Two additional bedrooms offer flexibility for family, guests, or a home office.

Cost to own

Mortgage calculator

Home Price

$281,400

Down Payment: 20%

$56,280

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,435

Principal & Interest: $1,435

Property taxes (est.): $460

Insurance (est.): $188

Estimated Total Monthly

$2,082

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,435

Property taxesest. at asking price, Duval County$459

HOAbilled quarterly$93

Estimated total, before insurance$1,987/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.

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.

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

Solar potential: ~1,488 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