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·7 days on market

11611 Raft Road

Jacksonville, FL 32218

$234,999$197/sqftEst. $1,207/moMLS# 2160310

Beds

Baths

1,193

Sq Ft

2026

Built

Garage

Pool

About this home

Jacksonville

Now offering rate incentives and closing cost assistance with preferred lender, inquire within! Affordable new construction packed with upgrades!!! This 3-bedroom, 2.5 bath home features a garage, no HOA. Enjoy a bright, open floor plan with taller ceilings, abundant natural light, luxury vinyl plank flooring, white shaker cabinets, quartz countertops, stainless steel appliances, and a spacious kitchen island perfect for entertaining.Refrigerator included! Ideal for first-time buyers, savvy investors, or anyone seeking modern, affordable homes. Prime location near I-95, Jacksonville Zoo, top dining, River City Marketplace, Town Center, and just 20 miles to Jacksonville Beach. Close to Kings Bay, NAS Jax,JAX Airport, and major distribution hubs. Call today for open house tours. Not the perfect one? We have more! Ask about down payment assistance and fully fenced backyard options available and more!

Cost to own

Mortgage calculator

Home Price

$234,999

Down Payment: 20%

$47,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,207

Principal & Interest: $1,207

Property taxes (est.): $384

Insurance (est.): $157

Estimated Total Monthly

$1,747

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,207

Property taxesest. at asking price, Duval County$384

Estimated total, before insurance$1,591/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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $221/yr

Estimated taxes if purchased at asking price: ~$4,600/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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C 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.

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,516 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 15, 2026Listed$234,999

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

Features

Price$234,999

Price / Sq Ft$197

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,193

Total Structure Area1,400 sq ft

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary, Ranch, Traditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Direction FacesNorth

School Information

ElementarySan Mateo

MiddleOceanway

HighFirst Coast

Community Information

Address11611 Raft Road, Jacksonville, FL 32218

Area091-Garden City/Airport

SubdivisionGarden City

CityJacksonville

CountyDuval

StateFL

Zip Code32218

Parcel Number019777 0150

ZoningSingle Family

Amenities

UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available

Water SourceWell

ParkingAttached, Garage

ViewTrees/Woods, Other

Interior

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

AppliancesDishwasher, Electric Cooktop, Electric Oven, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup