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 gated community home in Jacksonville.

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Active

Active·2 days on market

9853 Craven Road

Jacksonville, FL 32257

$435,000$261/sqftEst. $2,239/moMLS# 2160248

Beds

Baths

1,669

Sq Ft

2023

Built

Garage

Pool

About this home

Jacksonville

Situated on an exceptional premium lot with peaceful water views from both the front and rear and no neighboring homes directly in front or behind, this rare and beautifully upgraded home offers remarkable privacy, openness, and a polished model home feel.

Cost to own

Mortgage calculator

Home Price

$435,000

Down Payment: 20%

$87,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,239

Principal & Interest: $2,239

Property taxes (est.): $710

Insurance (est.): $290

Estimated Total Monthly

$3,239

*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$2,239

Property taxesest. at asking price, Duval County$710

HOAbilled monthly$425

Estimated total, before insurance$3,374/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,468/yr · $372/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): $4,468/yr

Estimated taxes if purchased at asking price: ~$8,500/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 — year not disclosed (home built 2023)

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

Solar potential: ~1,765 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 14, 2026Listed$435,000

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

Features

Price$435,000

Price / Sq Ft$261

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,669

Acres0.10 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

55+ CommunityYes

Direction FacesWest

Community Information

Address9853 Craven Road, Jacksonville, FL 32257

Area013-Beauclerc/Mandarin North

SubdivisionEverlake

CityJacksonville

CountyDuval

StateFL

Zip Code32257

Lot Size4,356 sq ft

Parcel Number1490390135

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Maintenance Structure

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewLake, Trees/Woods, Water

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Gas Cooktop, Ice Maker, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Washer Hookup

SecuritySecurity Gate, Smoke Detector(s)