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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 Jacksonville — a new construction home in Jacksonville.

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Active

Active·65 days on market

16425 McNair Branch Circle

Jacksonville, FL 32218

$414,990$194/sqftEst. $2,299/moMLS# 2159073
↓ $5,210 below original list
4
Beds
3
Baths
2,139
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XHOA $85/moSingle Family Residence1 storyNew construction

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Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville

Modern design and functional living come together in this exceptional 4-bedroom, 3-bath Mystique floorplan with a 2-car garage. An open-concept layout is enhanced by luxury vinyl plank flooring throughout the main living areas, while the gathering room features a tray ceiling and plenty of natural light. Step outside to the covered lanai, creating a seamless extension of the living space. The chef-inspired kitchen is complete with quartz countertops, 42-inch upper white cabinetry, a white subway tile backsplash, a spacious island, and a full Whirlpool appliance package, including a refrigerator. The owner's bath showcases a heavy glass shower door for a polished finish. Additional upgrades include 8-foot interior doors, a floor outlet, matte black hardware, a gas line stub, a smart home system, and designer touches throughout.

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,299
Property taxesest. at asking price, Duval County$678
HOAbilled monthly$85
Estimated total, before insurance$3,061/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

$414,990
$82,998
Loan Term
Monthly Payment
$2,299
Principal & Interest: $2,299
Property taxes (est.): $678
Insurance (est.): $277
Estimated Total Monthly
$3,253
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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: ~1,236 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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

  • Sep 10, 2026Price change$414,990−$5,210
  • Sep 4, 2026Price change$420,200+$1,200
  • Aug 7, 2026Listed$419,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $183/sq ft; this home is listed at $194/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
16479 McNair Branch Circle, Jacksonville, FL 32218Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Sep 2026$429,000$2014/32,13910
16421 Tisons Blf Road, Jacksonville, FL 32218Listed by EXP REALTY LLCSep 2026$307,000$1654/21,860630.2
16190 Kayla Cove Court, Jacksonville, FL 32218Listed by EXP REALTY LLCSep 2026$315,000$1833/21,720190.4
16194 Magnolia Grove Way, Jacksonville, FL 32218Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSSep 2026$324,900$2113/21,540430.4
16175 Dowing Creek Drive, Jacksonville, FL 32218Listed by BEYCOME OF FLORIDA LLCAug 2026$300,000$1674/21,7981270.4
169 Asbury Hill Court, Jacksonville, FL 32218Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYAug 2026$300,000$1633/21,8363070.6

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$414,990
Price / Sq Ft$194
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,139
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleOther
Property ConditionUnder Construction
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

MiddleSelect One

Community Information

Address16425 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

Exterior

Lot DescriptionFew Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Rear Porch
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedAugust 7, 2026
Days on Market59
HOA Fees$85 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesMaintenance Grounds, Other
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: PULTE REALTY OF NORTH FLORIDA, LLC.

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.

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

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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