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 home near Atlantic Coast High School.

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Active

Active·17 days on market

0 Lourcey Road

Jacksonville, FL 32257

$298,000Est. $1,519/moMLS# 2155719

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About this home

Jacksonville

Create the custom home you've always envisioned on this beautiful 1.4-acre homesite, offering the perfect balance of privacy, natural beauty, and convenience. Surrounded by mature trees, peaceful open spaces, and abundant wildlife, this exceptional property provides an ideal setting for a luxury custom residence. Perpetual deed restrictions help preserve the character and quality of the community, with a minimum home size of 2,800 square feet, ensuring an attractive neighborhood of well-appointed homes. Enjoy the tranquility of country living while remaining just one mile from Interstate access and only 10 miles from Downtown Jacksonville, providing easy access to shopping, dining, employment centers, and Jacksonville's many amenities. If you've been searching for the perfect place to build your forever home, this rare homesite offers the space, privacy, and location to make your vision a reality.

Cost to own

Mortgage calculator

Home Price

$298,000

Down Payment: 20%

$59,600

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,519

Principal & Interest: $1,519

Property taxes (est.): $487

Insurance (est.): $199

Estimated Total Monthly

$2,205

*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$1,519

Property taxesest. at asking price, Duval County$487

Estimated total, before insurance$2,006/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: ~1,390 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