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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 Mill Creek, Jacksonville.

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Active Under Contract

Active Under Contract·58 days on market·Mill Creek

9018 Kipper Drive

Jacksonville, FL 32211

$324,900$201/sqftEst. $1,800/moMLS# 2159877
↓ $24,100 below original list
3
Beds
2
Baths
1,618
Sq Ft
2019
Built
2
Garage
No
Pool

3 more homes for sale in Mill Creek →Search Mill Creek on the map

FEMA Zone XHOA $55/mo4,792 sqft lotSingle Family Residence1 story

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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.

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

About this home

Mill Creek

Exceptional quality meets modern convenience in this beautifully refreshed Regency area home. Featuring brand new premium Sherwin-Williams Duration interior paint, brand new commercial-grade heavy duty 40MIL LVP flooring, brand new stainless steel appliances, and updated fixtures throughout - it offers effortless, low-maintenance living. The bright open layout creates an inviting atmosphere that flows effortlessly out to a private, level backyard ideal for relaxing or entertaining. Complete with a convenient separate laundry room, a spacious 2-car garage, and a prime location close to shopping, dining, parks, and major roadways for a seamless commute across Jacksonville. Schedule your tour today! FREE APPRAISAL WITH PREFERRED LENDER!!

Next steps in Mill Creek

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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$1,800
Property taxesest. at asking price, Duval County$531
HOAbilled annually$55
Estimated total, before insurance$2,385/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,487/yr · $374/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$324,900
$64,980
Loan Term
Monthly Payment
$1,800
Principal & Interest: $1,800
Property taxes (est.): $531
Insurance (est.): $217
Estimated Total Monthly
$2,547
*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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2019)

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

Solar potential: ~1,725 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,487/yr

Estimated taxes if purchased at asking price: ~$6,400/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.

History

Price & status history

  • Oct 9, 2026Active Under Contract$324,900
  • Sep 17, 2026Price change$324,900−$24,100
  • Aug 13, 2026Listed$349,000

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 $184/sq ft; this home is listed at $201/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1414 Kendall Drive, Jacksonville, FL 32211Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$316,000$1843/21,72000.3
1372 Tripper Drive, Jacksonville, FL 32211Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$357,000$2023/21,77010.4
9097 India Avenue, Jacksonville, FL 32211Listed by BETTER HOMES AND GARDENS LIFESTYLES REALTYSep 2026$286,020$1844/2.51,55500.5
8164 Parkridge Circle N, Jacksonville, FL 32211Listed by WATSON REALTY CORPSep 2026$274,000$1424/31,933180.6
9007 Cocoa Avenue, Jacksonville, FL 32211Listed by BETTER HOMES AND GARDENS LIFESTYLES REALTYOct 2026$287,017$1854/2.51,55500.9
8617 Dandy Avenue, Jacksonville, FL 32211Listed by BETTER HOMES AND GARDENS LIFESTYLES REALTYSep 2026$286,020$1844/2.51,55500.9

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$324,900
Price / Sq Ft$201
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,618
Acres0.11 acres
Year Built2019
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive Under Contract
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryMerrill Road
MiddleLandmark
HighTerry Parker

Community Information

Address9018 Kipper Drive, Jacksonville, FL 32211
Area041-Arlington
SubdivisionMill Creek
CityJacksonville
CountyDuval
StateFL
Zip Code32211
Lot Size4,791.6 sq ft
Parcel Number1230286075

Amenities

AmenitiesDog Park, Maintenance Grounds, Playground
UtilitiesCable Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesKitchen Island
AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

FencingBack Yard, Privacy
RoofShingle
Road FrontageCity Street

Additional Information

Date ListedAugust 13, 2026
Days on Market57
HOA Fees$657 / Annually
HOA FrequencyAnnually
Tax Amount$4,486.6
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: SELECT REALTY 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.

The neighborhood

About Mill Creek

Mill Creek is a neighborhood in Jacksonville, FL (Duval County), ZIP 32211.

View all Mill Creek homes for sale →

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

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