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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Kettering at eTown, Jacksonville — a waterfront home in Jacksonville.

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Active

Active·45 days on market·Kettering at eTown

11209 Strategy Court

Jacksonville, FL 32256

$624,900$280/sqftEst. $3,336/moMLS# 2158144
↓ $14,100 below original list
4
Beds
2.5
Baths
2,234
Sq Ft
2023
Built
2
Garage
No
Pool

23 more homes for sale in Kettering at eTown →Search Kettering at eTown on the map

FEMA Zone XHOA $36/moWaterfrontSingle Family Residence2 stories

About this home

Kettering at eTown

HOME WARRANTY! Beautifully upgraded home in the desirable Kettering at E-Town, tucked away on a quiet cul-de-sac. Inside, you'll find an open and inviting layout with thoughtful upgrades throughout, including a statement stone-accent fireplace wall, motorized living room blinds, abundant kitchen cabinetry, and a large Quartz island that makes entertaining and everyday living effortless. The owner's suite features a bay window and walk-in closet, creating a bright and comfortable private retreat. Outside, brand-new landscaping gives the home fresh curb appeal, while a brand-new water treatment system adds another valuable improvement. This home offers the combination today's buyers are looking for: move-in readiness, desirable community, upgraded finishes, energy-conscious features, and meaningful financial incentives

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$3,336
Property taxesest. at asking price, Duval County$1,020
HOAbilled annually$36
Estimated total, before insurance$4,392/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,581/yr · $798/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$624,900
$124,980
Loan Term
Monthly Payment
$3,336
Principal & Interest: $3,336
Property taxes (est.): $1,020
Insurance (est.): $417
Estimated Total Monthly
$4,773
*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: material not specified — year not disclosed (home built 2023)

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

Solar potential: ~1,667 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 August 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $9,581/yr

Estimated taxes if purchased at asking price: ~$12,200/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.

History

Price & status history

  • Sep 15, 2026Price change$624,900−$14,100
  • Aug 14, 2026Active$639,000
  • Jul 31, 2026Listed$639,000

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

Features

Price$624,900
Price / Sq Ft$280
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,234
Year Built2023
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

Community Information

Address11209 Strategy Court, Jacksonville, FL 32256
Area027-Intracoastal West-South Of Jt Butler Blvd
SubdivisionKettering at eTown
CityJacksonville
CountyDuval
StateFL
Zip Code32256
Lot DimensionsCul-De-Sac
Parcel Number1677624535
ZoningResidential

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Dog Park, Fitness Center, Management - Full Time, Park, Playground, Security, Trash
Community FeaturesSidewalks
UtilitiesElectricity Available, Sewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
Green / EnergyThermostat
ParkingGarage, Garage Door Opener
ViewPond
Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan
AppliancesDishwasher, Double Oven, Electric Cooktop, Microwave, Refrigerator, Water Softener Owned
HeatingCentral
CoolingCentral Air, Zoned
FlooringCarpet
FireplaceYes
# of Fireplaces1
Fireplace FeaturesElectric
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Gas Dryer Hookup
Spa FeaturesCommunity

Exterior

Lot DescriptionCul-De-Sac
Patio / PorchCovered, Patio

Additional Information

Date ListedAugust 14, 2026
Days on Market32
HOA Fees$426.55 / Annually
HOA FrequencyAnnually
HOA Fee IncludesMaintenance Grounds, Security, Trash
Tax Amount$9,581.3
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: UNITED REAL ESTATE GALLERY

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.

The neighborhood

About Kettering at eTown

Kettering at eTown is a neighborhood in eTown, FL (Duval County), ZIP 32256.

View all Kettering at eTown homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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