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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 gated community home in Jacksonville.

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Active·4 days on market

6450 Sparkling Stream Trail

Jacksonville, FL 32234

$512,990$156/sqftEst. $2,635/moMLS# 2160496
4
Beds
4
Baths
3,294
Sq Ft
2026
Built
3
Garage
No
Pool

About this home

Jacksonville

Welcome to the Marigold, this exceptional new construction home offers the perfect blend of comfort, style, and convenience. Step inside to an inviting open-concept layout featuring ceramic tile flooring throughout the main living areas, creating a sophisticated and durable space for everyday living. The heart of the home is the well-appointed kitchen, with elegant quartz countertops, shaker-style cabinetry, ample storage, and generous workspace. The spacious living and dining areas flow seamlessly together, creating welcoming atmosphere. Large windows allow natural light to fill the home, while the covered patio extends your living space outdoors. Designed with upscale living in mind, this home includes sought-after features such as 9-foot ceilings, impressive 8-foot interior and exterior doors, and a spacious 3-car garage. The private primary suite offers a peaceful retreat, while the secondary bedrooms provide comfort and flexibility for extra living space, guests, or a home office.

Cost to own

Mortgage calculator

$512,990
$102,598
Loan Term
Monthly Payment
$2,635
Principal & Interest: $2,635
Property taxes (est.): $838
Insurance (est.): $342
Estimated Total Monthly
$3,814
*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$2,635
Property taxesest. at asking price, Duval County$838
HOAbilled monthly$100
Estimated total, before insurance$3,572/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 — 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 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 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 17, 2026Listed$512,990

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

Features

Price$512,990
Price / Sq Ft$156
Bedrooms4
Bathrooms4.00
Full Baths4
Square Footage3,294
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

Address6450 Sparkling Stream Trail, Jacksonville, FL 32234
Area066-Cecil Commerce Area
SubdivisionDiamond Springs
CityJacksonville
CountyDuval
StateFL
Zip Code32234
Lot Size6,969.6 sq ft
Parcel Number0023971080
ZoningResidential

Amenities

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

Interior

Interior FeaturesKitchen Island, Open Floorplan, Smart Home, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories2
LevelsOne

Exterior

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

Additional Information

Date ListedAugust 17, 2026
Days on Market0
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 by realMLS (Northeast Florida MLS).

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.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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