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 gated community home in Jacksonville.

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Pending

Pending·29 days on market

11189 Saddle Club Drive

Jacksonville, FL 32219

$440,000$173/sqftEst. $2,269/moMLS# 2154886

Beds

Baths

2,541

Sq Ft

2010

Built

Garage

Pool

About this home

Jacksonville

Welcome to this beautiful home located on one acre in the Jacksonville Ranch Club! This gated community is known for its spacious homesites, peaceful country atmosphere and outstanding amenities. Enjoy access to a community playground, dock, pavilion, and a beautifully landscaped gated entrance, just minutes from Jacksonville International Airport, River City Marketplace. Designed for both everyday living and entertaining, this spacious home features an open floor plan with 4 bedrooms & 3 full baths, including a convenient Jack-and-Jill bath for the secondary bedrooms. The inviting family room has a beautiful fireplace and flows seamlessly into the open kitchen, complete with a large center island and expansive double windows above the sink. The home also includes a formal dining room and a versatile front room that can serve as a home office, formal living room, or flex space. The spacious owner's suite offers a tray ceilings and a custom barn door leading to the private bath.

Cost to own

Mortgage calculator

Home Price

$440,000

Down Payment: 20%

$88,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,269

Principal & Interest: $2,269

Property taxes (est.): $718

Insurance (est.): $293

Estimated Total Monthly

$3,281

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,269

Property taxesest. at asking price, Duval County$718

HOAbilled annually$73

Estimated total, before insurance$3,060/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,492/yr · $374/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

2025 property taxes (current owner): $4,492/yr

Estimated taxes if purchased at asking price: ~$8,600/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, 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: Shingle — year not disclosed (home built 2010)

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,574 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

Aug 5, 2026Pending$440,000
Jul 10, 2026Listed$440,000

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

Features

Price$440,000

Price / Sq Ft$173

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,541

Acres1.01 acres

Year Built2010

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address11189 Saddle Club Drive, Jacksonville, FL 32219

Area082-Dinsmore/Northwest Duval County

SubdivisionJacksonville Ranch Club 2

CityJacksonville

CountyDuval

StateFL

Zip Code32219

Lot Size43,995.6 sq ft

Parcel Number0026511565

Amenities

AmenitiesGated, Playground, Water

UtilitiesCable Available, Electricity Available, Sewer Connected

SewerPrivate Sewer, Septic Tank

Water SourcePrivate, Well

ParkingGarage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Laminate

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySecurity Gate