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.

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Active

Active·2 days on market

13301 Gerona Drive N

Jacksonville, FL 32246

$460,000$265/sqftEst. $2,367/moMLS# 2160306

Beds

Baths

1,739

Sq Ft

2026

Built

Garage

Pool

About this home

Jacksonville

Welcome to brand-new construction with zero HOA or CDD fees holding you back! This modern 4-bedroom home features an open-concept layout filled with natural light, high-end finishes, and durable vinyl plank flooring throughout. The chef-inspired kitchen serves as the heart of the home, complete with white shaker cabinetry, premium granite countertops, stainless steel appliances, and an expansive center island built for entertaining. Unwind in the main living area by the cozy electric fireplace, or retreat to the primary suite featuring a sleek, fully tiled walk-in shower. The versatile 4th bedroom easily functions as a home office or gym, and a spacious 2-car garage adds ultimate convenience. Located minutes off JTB, this property offers an effortless commute, top-rated local schools, and quick access to Jacksonville's best beaches, shopping, and dining. Move-in ready and built for effortless coastal living!

Cost to own

Mortgage calculator

Home Price

$460,000

Down Payment: 20%

$92,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,367

Principal & Interest: $2,367

Property taxes (est.): $751

Insurance (est.): $307

Estimated Total Monthly

$3,425

*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$2,367

Property taxesest. at asking price, Duval County$751

Estimated total, before insurance$3,118/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: ~1,433 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