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Active

Active·65 days on market

5812 Lagoon Cruise Way

Jacksonville, FL 32234

$359,990$160/sqftEst. $1,922/moMLS# 2157010

↓ $9,000 below original listOpen house Fri, Oct 2 · 1:00 pm–5:00 pm

Beds

Baths

2,246

Sq Ft

2026

Built

Garage

Pool

FEMA Zone XHOA $100/mo5,227 sqft lotSingle Family Residence1 storyNew construction

About this home

Jacksonville

This charming ranch-style home offers a blend of comfort and elegance with its open-concept design and thoughtful layout. The heart of the home features an optional gourmet kitchen, perfect for culinary enthusiasts, with high-end appliances and a spacious island for casual dining or entertaining. The kitchen seamlessly flows into a cozy café area and an expansive great room, both of which provide easy access to the lanai which invite natural light into the space. The home boasts four generously sized bedrooms, with the primary suite tucked away at the back of the house for added privacy. This serene retreat includes a luxurious en-suite bathroom and walk-in closet, creating a perfect sanctuary within the home.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$1,922

Property taxesest. at asking price, Clay County$552

HOAbilled annually$100

Estimated total, before insurance$2,573/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$359,990

Down Payment: 20%

$71,998

Interest Rate: 7.03%

Loan Term

Monthly Payment

$1,922

Principal & Interest: $1,922

Property taxes (est.): $552

Insurance (est.): $240

Estimated Total Monthly

$2,713

*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

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.

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,696 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.

Sun & Light

Southwest-facing backyard — long light and winter sunsets

The listing reports the home facing northeast, which puts the backyard on the southwest side. Today at this address: sunrise 7:19 AM, sunset 7:17 PM.

The rear carries sun from midday deep into the evening, and in winter the sun sets almost straight into this exposure — the longest usable outdoor light of the diagonal lots.
Summer late-afternoons run hot; a pool here is warm and sunset-lit, and shading the lanai’s west edge earns its keep.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

Sep 18, 2026Price change$359,990−$9,000
Aug 2, 2026Price change$368,990+$702
Jul 24, 2026Listed$368,288

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

Features

Price$359,990

Price / Sq Ft$160

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,246

Total Structure Area2,846 sq ft

Acres0.12 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Direction FacesNortheast

School Information

ElementaryShadowlawn

MiddleLake Asbury

HighClay

Community Information

Address5812 Lagoon Cruise Way, Jacksonville, FL 32234

Area066-Cecil Commerce Area

SubdivisionDiamond Springs

CityJacksonville

CountyClay

StateFL

Zip Code32234

Lot Size5,227.2 sq ft

Lot Dimensions50X120

Parcel Number33-05-25-010556-0051

ZoningResidential

Amenities

AmenitiesNone

Community FeaturesSidewalks, Street Lights

UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesEntrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave

HeatingCentral, Electric

CoolingCentral Air

FlooringCarpet, Laminate, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Upper Level

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)

Exterior

Lot DescriptionCleared

Patio / PorchCovered

RoofShingle

ConstructionFiber Cement, Frame

Road SurfaceAsphalt

Additional Information

Date ListedJuly 25, 2026

Days on Market66

HOA Fees$1,200 / Annually

HOA FrequencyAnnually

Tax Year2024

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionYes

Listing Courtesy of: OLYMPUS EXECUTIVE REALTY, INC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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