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

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Active Under Contract

Active Under Contract·45 days on market·Riverbrook at Glen Kernan

4577 Pebble Brook Drive

Jacksonville, FL 32224

$669,000$291/sqftEst. $3,439/moMLS# 2154572

Beds

Baths

2,302

Sq Ft

1996

Built

Garage

Yes

Pool

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

Mortgage calculator

Home Price

$669,000

Down Payment: 20%

$133,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,439

Principal & Interest: $3,439

Property taxes (est.): $1,092

Insurance (est.): $446

Estimated Total Monthly

$4,978

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$3,439

Property taxesest. at asking price, Duval County$1,092

HOAbilled annually$12

Estimated total, before insurance$4,543/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
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: ~$13,100/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.

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.

History

Price & status history

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.

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

StatusActive Under Contract

# 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

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)