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This home is in Jacksonville — a home near Atlantic Coast High School.

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Active

Active·17 days on market

5127 Lourcey Road

Jacksonville, FL 32257

$1,800,000Est. $9,178/moMLS# 2155689

Beds

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Garage

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About this home

Jacksonville

Discover a rare 10.6-acre estate offering the flexibility to enjoy as a private family retreat, turnkey equestrian property, or exceptional development opportunity. The property features a residence and barn, making it ideal as a horse farm, farmette, or estate for a variety of qualifying agricultural uses. Surrounded by majestic trees, tranquil ponds, abundant wildlife, and open spaces, it offers unmatched privacy and natural beauty. Builders and developers will appreciate the opportunity to create an exclusive enclave of eight approximately one-acre luxury homesites. Engineering, permitting, and approvals through JEA, the St. Johns River Water Management District, and the City of Jacksonville are already complete, significantly reducing development time. Conveniently located just one mile from Interstate access and only 10 miles from Downtown Jacksonville, this unique property combines peaceful country living with outstanding accessibility.

Cost to own

Mortgage calculator

Home Price

$1,800,000

Down Payment: 20%

$360,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$9,178

Principal & Interest: $9,178

Property taxes (est.): $2,939

Insurance (est.): $1,200

Estimated Total Monthly

$13,317

*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$9,178

Property taxesest. at asking price, Duval County$2,939

Estimated total, before insurance$12,117/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: material not specified

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

Likely septic

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: ~1,499 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