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 new construction home in Jacksonville.

1 / 57

Active

Active·8 days on market

4125 Sitka Pine Circle

Jacksonville, FL 32218

$342,350$213/sqftEst. $1,762/moMLS# 2158639

Beds

Baths

1,609

Sq Ft

2026

Built

Garage

Pool

About this home

Jacksonville

Meet our beautifully designed one-story home, The Harper+, offering 1,609 square feet, 4 bedrooms, 2 bathrooms, and a 2-car garage. The Harper+ combines open concept living, with plenty of windows and a vaulted ceiling in the main living areas, which create a bright and welcoming atmosphere. It is a comfortable space all on one convenient level. This single-story floorplan is ideal for growing families, downsizers, or anyone looking for a smart and comfortable layout. This thoughtfully crafted floor plan features a spacious kitchen that opens to the gathering area, creating the perfect central hub for everyday living and entertaining. With plenty of room for a dedicated dining space, you can enjoy both casual meals and special gatherings with ease. Step outside to the covered patio, ideal for morning coffee, evening relaxation, or extending your living space outdoors year-round. The private primary suite offers a relaxing retreat, located off the living area.

Cost to own

Mortgage calculator

Home Price

$342,350

Down Payment: 20%

$68,470

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,762

Principal & Interest: $1,762

Property taxes (est.): $559

Insurance (est.): $228

Estimated Total Monthly

$2,549

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,762

Property taxesest. at asking price, Duval County$559

HOAbilled quarterly$9

Estimated total, before insurance$2,330/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.

Hurricane evacuation zone D

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

Roof: Shingle — year not disclosed (home built 2026)

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

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