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This home is in Jacksonville — a new construction home in Jacksonville.

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Active

Active·7 days on market

16497 McNair Branch Circle

Jacksonville, FL 32218

$384,000$237/sqftEst. $1,976/moMLS# 2158937

Beds

Baths

1,621

Sq Ft

2026

Built

Garage

Pool

About this home

Jacksonville

Welcome to the Cedar, a charming home featuring our Traditional-style exterior, 3 bedrooms, 2 bathrooms, an open-concept layout, and a spacious 2-car garage. Luxury Vinyl Plank flooring extends throughout the main living areas and the owner's suite, creating a seamless and stylish living space. The kitchen showcases 42'' white upper cabinets, quartz countertops, a Dark Gray Flow tile backsplash, and a complete Whirlpool appliance package, including the refrigerator. The open design connects the kitchen to the gathering room and café, while the extended covered lanai provides a great space for outdoor living. Additional features include 8-foot interior doors, 2'' faux wood blinds, water softener pre-plumbing, a Smart Home package, and a variety of thoughtful upgrades throughout.

Cost to own

Mortgage calculator

Home Price

$384,000

Down Payment: 20%

$76,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,976

Principal & Interest: $1,976

Property taxes (est.): $627

Insurance (est.): $256

Estimated Total Monthly

$2,859

*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$1,976

Property taxesest. at asking price, Duval County$627

HOAbilled monthly$85

Estimated total, before insurance$2,688/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 E

Zone E evacuates after zones A, B, C, D 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.

Solar potential: ~1,713 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 6, 2026Listed$384,000

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

Features

Price$384,000

Price / Sq Ft$237

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,621

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

MiddleSelect One

Community Information

Address16497 McNair Branch Circle, Jacksonville, FL 32218

Area092-Oceanway/Pecan Park

SubdivisionJoseph Oaks

CityJacksonville

CountyDuval

StateFL

Zip Code32218

Parcel Number1084150200

Amenities

AmenitiesPlayground

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewOther

Interior

Interior FeaturesEat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater

HeatingElectric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup