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 gated community home in St. Johns County.

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Active

Active·1 day on market

469 E Kesley Lane

Jacksonville, FL 32259

$1,800,000$194/sqftEst. $9,178/moMLS# 2158292

Beds

Baths

9,270

Sq Ft

2018

Built

Garage

Pool

About this home

Jacksonville

Elegant 9,200 sq/ft custom home has 2 levels w/5BR - 4BA, and gym. Four (4) garage spaces w/240V EV charging outlets. All in a secluded St. Johns gated community. Open, bright with an ideal multigenerational floor plan w/5th BR on 2nd level. The chef designer kitchen has a large quartz island, gorgeous cabinets, quartz countertops and glass tiled backsplashes, farmhouse sink, SS appliances, commercial size frig and double ovens. Kitchen flows seamlessly into an oversized nook, family room, living room, dining room, large climate controlled sunroom w/powered shades; that overlooks the back landscape and preserve areas. The 1st level primary suite w/hers and his closets and bath are a true retreat. The 2nd level has an expansive game/media room with a large wet bar. Perfect for entertaining and everyday living. This energy-conscious home combines security, luxury, technology, green features, comfort, and convenience near top-rated schools, golf, shopping, dining, and beaches. SEE ''MORE

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.): $2,395

Insurance (est.): $1,200

Estimated Total Monthly

$12,773

*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, St. Johns County$2,395

HOAbilled quarterly$180

Estimated total, before insurance$11,753/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$19,834/yr · $1,653/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).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $19,834/yr

Estimated taxes if purchased at asking price: ~$28,700/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 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.

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.

Hurricane evacuation zone E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: Tile — year not disclosed (home built 2018)

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

Solar potential: ~1,695 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.

History

Price & status history

Aug 3, 2026Listed$1,800,000

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

Features

Price$1,800,000

Price / Sq Ft$194

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage9,270

Total Structure Area9,270 sq ft

Acres0.37 acres

Year Built2018

TypeResidential

Sub-TypeSingle Family Residence

StyleOther

StatusActive

# of Garages4

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Community Information

Address469 E Kesley Lane, Jacksonville, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionMagnolia Preserve

CityJacksonville

CountySt. Johns

StateFL

Zip Code32259

Lot Size16,117.2 sq ft

Parcel Number2490141150

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Gated, Golf Course, Park, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Electric Vehicle Charging Station(s), Garage, Garage Door Opener

ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Home, Split Bedrooms, Walk-In Closet(s), Wet Bar

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Refrigerator, Water Softener Owned

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric, Multi Units

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level, Sink, Washer Hookup

SecurityGated with Guard, Smoke Detector(s)