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 new construction home in Jacksonville.

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Active

Active·60 days on market

8609 Vining Street

Jacksonville, FL 32210

$249,000$207/sqftEst. $1,293/moMLS# 2155184

Beds

Baths

1,205

Sq Ft

2026

Built

Garage

Pool

About this home

Jacksonville

Your search stops here! This stunning new construction home in Jacksonville Heights offers the perfect blend of modern style, comfort, and convenience. Experience the charm of brand-new construction in this 3-bedroom, 2-bath home, featuring 1,205 square feet of thoughtfully designed living space. Enjoy a bright open-concept layout perfect for entertaining, and a spacious kitchen with direct garage access. Whether you're a first-time homebuyer ready to invest in yourself or an investor looking to add a great property to your rental portfolio, this home checks every box. Conveniently located just 15 minutes from NAS Jacksonville with quick access to shopping, dining, and major highways, this is an opportunity you don't want to miss!

Cost to own

Mortgage calculator

Home Price

$249,000

Down Payment: 20%

$49,800

Interest Rate: 6.76%

Loan Term

Monthly Payment

$1,293

Principal & Interest: $1,293

Property taxes (est.): $407

Insurance (est.): $166

Estimated Total Monthly

$1,866

*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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 · 6.76% · 30yr$1,293

Property taxesest. at asking price, Duval County$407

Estimated total, before insurance$1,700/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.

Solar potential: ~1,129 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