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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 Jacksonville — a new construction home in Jacksonville.

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Active

$479,9904 bd · 3 ba · 2,498 sq ft

Active·83 days on market

6461 Sparkling Stream Trail

Jacksonville, FL 32234

$479,990$192/sqftEst. $2,617/mo mortgageMLS# 2160381
↓ $29,000 below original list
4
Beds
3
Baths
2,498
Sq Ft
2026
Built
3
Garage
No
Pool
FEMA Zone AOHOA $100/mo6,970 sqft lotSingle Family Residence1 storyNew construction

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

About this home

Jacksonville

Welcome to the Oleander, a beautifully designed new construction home in Haven at Diamond Springs, Jacksonville's only gated neighborhood within the premier lagoon community. This 2,498 sq. ft. home features 4 bedrooms, 3 full baths, and a versatile formal dining room. The open-concept layout includes luxury vinyl plank flooring, quartz countertops, 42-inch shaker-style cabinetry, 9-foot ceilings, and 8-foot interior and exterior doors. The family room opens to a covered patio, while the private primary suite offers a peaceful retreat. Three additional bedrooms, two secondary baths, and a spacious 3-car garage provide comfort and convenience. Enjoy resort-style community amenities, including a 4-acre crystal lagoon, playground, and tot lot. Schedule your tour today!

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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 · 7.24% · 30yr$2,617
Property taxesest. at asking price, Duval County$784
HOAbilled monthly$100
Estimated total, before insurance$3,501/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$479,990
$95,998
Loan Term
Monthly Payment
$2,617
Principal & Interest: $2,617
Property taxes (est.): $784
Insurance (est.): $320
Estimated Total Monthly
$3,721
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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 AO — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 2026)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,488 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

Northeast-facing backyard — summer sunrises, all-day cool

The listing reports the home facing southwest, which puts the backyard on the northeast side. Today at this address: sunrise 6:47 AM, sunset 5:35 PM.

  • The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
  • The coolest diagonal for a lanai.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

  • Oct 2, 2026Price change$479,990−$4,000
  • Sep 14, 2026Price change$483,990−$25,000
  • Aug 16, 2026Listed$508,990

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 $162/sq ft; this home is listed at $192/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
5641 Lagoon Cruise Way, Jacksonville, FL 32234Listed by LENNAR REALTY INCOct 2026$318,990$1704/2.51,879200.1
5888 Lagoon Cruise Way, Jacksonville, FL 32234Listed by LENNAR REALTY INCOct 2026$374,990$1365/32,75060.2
5636 Lagoon Cruise Way, Jacksonville, FL 32234Listed by LENNAR REALTY INCOct 2026$329,990$1565/2.52,111100.2
5884 Lagoon Cruise Way, Jacksonville, FL 32234Listed by LENNAR REALTY INCOct 2026$350,990$1624/32,172400.3
5729 Lagoon Cruise Way, Jacksonville, FL 32234Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$366,990$1474/32,5001130.4
5712 Lagoon Cruise Way, Jacksonville, FL 32234Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$299,990$1674/21,7971400.4

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$479,990
Price / Sq Ft$192
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,498
Acres0.16 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUnder Construction
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo
New ConstructionYes
Direction FacesSouthwest

School Information

ElementaryMamie Agnes Jones
MiddleBaldwin
HighBaldwin

Community Information

Address6461 Sparkling Stream Trail, Jacksonville, FL 32234
Area066-Cecil Commerce Area
SubdivisionDiamond Springs
CityJacksonville
CountyDuval
StateFL
Zip Code32234
Lot Size6,969.6 sq ft
Parcel Number0023970990
ZoningResidential

Amenities

AmenitiesPool, Dog Park, Gated, Maintenance Grounds, Management - Off Site, Park, Playground
Community FeaturesSidewalks, Street Lights, Gated, Curbs
UtilitiesCable Available, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewTrees/Woods

Interior

Interior FeaturesKitchen Island, Open Floorplan, Smart Home, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories1
LevelsOne

Exterior

Lot DescriptionSprinklers In Front, Wooded
Patio / PorchCovered, Patio
RoofShingle
ConstructionComposition Siding, Frame
Road SurfaceAsphalt, Paved
Road FrontagePrivate Road

Additional Information

Date ListedAugust 16, 2026
Days on Market83
HOA Fees$100 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesInternet, Maintenance Grounds
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: DRB GROUP 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.

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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