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.

Active

Active·3 days on market

1210 Mull Street

Jacksonville, FL 32205

$650,000$683/sqftEst. $3,345/moMLS# 2159513

Beds

Baths

952

Sq Ft

—

Built

—

Garage

Pool

About this home

Jacksonville

Brand-new construction by Southern Impression Homes, thoughtfully designed with today's flexible living and investment strategies in mind! To-be-constructed property offers a unique opportunity for investors seeking a potential co-living or shared-housing model or buyers looking for a home that can accommodate roommates, extended household arrangements, or other shared-living needs. The versatile floor plan provides the flexibility to accommodate multiple occupants while creating defined living spaces that balance privacy with comfortable shared areas. For investors, the property presents an opportunity to explore room-by-room leasing or other co-living rental strategies, subject to applicable zoning, occupancy requirements, and local regulations. Modern finishes help position the property for today's rental and resale markets, including luxury vinyl plank (LVP) flooring throughout, quartz countertops, and contemporary cabinetry and finishes.

Cost to own

Mortgage calculator

Home Price

$650,000

Down Payment: 20%

$130,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$3,345

Principal & Interest: $3,345

Property taxes (est.): $1,061

Insurance (est.): $433

Estimated Total Monthly

$4,840

*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$3,345

Property taxesest. at asking price, Duval County$1,061

Estimated total, before insurance$4,406/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,288/yr · $191/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): $2,288/yr

Estimated taxes if purchased at asking price: ~$12,700/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 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.

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: Shingle

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,447 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