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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 Riverbrook at Glen Kernan, Jacksonville — a pool home in Jacksonville.

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Sold

Sold·Closed Sep 1, 2026·13 days on market·Recent sales in Riverbrook at Glen Kernan·Riverbrook at Glen Kernan

4577 Pebble Brook Drive

Jacksonville, FL 32224

$640,000sold priceListed at $669,000 · 95.7% of asking$278/sqftMLS# 2154572
5
Beds
3
Baths
2,302
Sq Ft
1996
Built
2
Garage
Yes
Pool

2 more homes for sale in Riverbrook at Glen Kernan →Search Riverbrook at Glen Kernan on the map

FEMA Zone XHOA $12/mo9,583 sqft lotSingle Family Residence2 stories

About this home

Riverbrook at Glen Kernan

Welcome to this beautifully updated 5-bedroom, 3-bath pool home nestled in the quiet Riverbrook at Glen Kernan community. Offering a spacious and functional floor plan, this home features formal living and dining rooms, along with a welcoming family room that seamlessly opens to the kitchen. The family room showcases a beautifully updated fireplace with a custom wood accent wall and overlooks the screened heated saltwater pool, creating the perfect space for relaxing or entertaining. Interior upgrades include hard-surface flooring throughout, 10-foot smooth-finished ceilings, plantation shutters, and updated lighting and plumbing fixtures. The open kitchen is thoughtfully designed with granite countertops, updated appliances, and a sunny breakfast nook. The spacious primary suite has been tastefully renovated with a freestanding soaking tub, separate walk-in shower, dual vanities, and two closets.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$3,545
Property taxesest. at asking price, Duval County$1,045
HOAbilled annually$12
Estimated total, before insurance$4,602/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,177/yr · $681/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$640,000
$128,000
Loan Term
Monthly Payment
$3,545
Principal & Interest: $3,545
Property taxes (est.): $1,045
Insurance (est.): $427
Estimated Total Monthly
$5,017
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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 E

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

Roof: Shingle — year not disclosed (home built 1996)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,753 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

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard and pool on the west side. Today at this address: sunrise 7:28 AM, sunset 6:54 PM.

  • A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2024$490,651$422,389▼ $2,642
2023$495,089$408,485▲ $30,000
2022$387,255$336,755—
2021$296,033$222,584—
2020$287,826$218,821—

2025 property taxes (current owner): $8,177/yr

Estimated taxes if purchased at asking price: ~$12,500/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.

History

Price & status history

  • Sep 1, 2026Closed$669,000
  • Jul 30, 2026Active Under Contract$669,000
  • Jul 17, 2026Active$669,000
  • Jul 9, 2026Listed$669,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $274/sq ft; this home is listed at $291/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4666 Kernan Mill Lane E, Jacksonville, FL 32224Listed by EPIQUE REALTY, INCSep 2026$495,000$2743/21,80830.2
13038 Kernan Mill Lane S, Jacksonville, FL 32224Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$495,000$2583/21,91830.5
12968 Chets Creek Drive N, Jacksonville, FL 32224Listed by UNITED REAL ESTATE GALLERYSep 2026$469,000$2523/21,85820.8
4078 Glenhurst Drive N, Jacksonville, FL 32224Listed by FLUID REALTY, LLC.Sep 2026$626,025$2963/22,11431.1
4564 Indigo Plant Court, Jacksonville, FL 32224Listed by CYPRESS VILLAGE REAL ESTATESep 2026$635,000$2393/2.52,659191.1
12829 Biggin Church Road S, Jacksonville, FL 32224Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$692,000$3044/32,276621.2

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$669,000
Price / Sq Ft$291
Bedrooms5
Bathrooms3.00
Full Baths3
Square Footage2,302
Acres0.22 acres
Year Built1996
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Electric Heat, Heated, Salt Water, Screen Enclosure
Is WaterfrontNo
Direction FacesEast

Community Information

Address4577 Pebble Brook Drive, Jacksonville, FL 32224
Area026-Intracoastal West-South Of Beach Blvd
SubdivisionRiverbrook At Glen
CityJacksonville
CountyDuval
StateFL
Zip Code32224
Lot Size9,583.2 sq ft
Parcel Number1677305765

Amenities

AmenitiesManagement - Off Site
Community FeaturesSidewalks, Curbs
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourceNone
ParkingGarage, Garage Door Opener
ViewPool

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Jack and Jill Bath, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringTile, Vinyl, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Exterior FeaturesStorm Shutters
Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Deck, Porch, Screened
FencingFenced, Back Yard, Wood
RoofShingle
ConstructionStucco
Other StructuresShed(s)
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJuly 17, 2026
Days on Market13
HOA Fees$140 / Annually
HOA FrequencyAnnually
Tax Amount$8,177.07
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST

Sold by: REAL BROKER LLC (buyer's brokerage)

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.

The neighborhood

About Riverbrook at Glen Kernan

Riverbrook at Glen Kernan is a neighborhood in Jacksonville, FL (Duval County), ZIP 32224.

View all Riverbrook at Glen Kernan homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 1, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

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