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.

1 / 4

Active

Active·49 days on market

6438 Sparkling Stream Trail

Jacksonville, FL 32234

$509,990$171/sqftEst. $2,792/moMLS# 2160499

↓ $26,000 below original list

Beds

3.5

Baths

2,981

Sq Ft

2026

Built

Garage

Pool

FEMA Zone XHOA $100/mo8,276 sqft lotSingle Family Residence2 storiesNew construction

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 333-8595 Text Krista

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

About this home

Jacksonville

Welcome to the Oleander Grand, this spacious floorplan offers 4 bedrooms, 3.5 bathrooms, a versatile flex space, and a large upstairs loft, providing plenty of room for work or relaxation. The open-concept creates a seamless flow throughout the home, enhanced by elevated ceramic tile flooring in the main living areas for both style and durability. The chef-inspired kitchen features beautiful quartz countertops, shaker-style cabinetry, abundant storage, and generous prep space. The expansive family room connects effortlessly to the covered patio. Elevated architectural details, including 9-foot ceilings and 8-foot interior and exterior doors throughout the home. A spacious 3-car garage provides ample room for vehicles and storage. The luxurious primary suite offers a private retreat with an open layout and well-appointed bath, while three additional bedrooms and multiple bathrooms provide comfort and convenience. The flexible bonus room and upstairs loft offer endless possibilities.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.28% · 30yr$2,792

Property taxesest. at asking price, Duval County$833

HOAbilled monthly$100

Estimated total, before insurance$3,724/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

Home Price

$509,990

Down Payment: 20%

$101,998

Interest Rate: 7.28%

Loan Term

Monthly Payment

$2,792

Principal & Interest: $2,792

Property taxes (est.): $833

Insurance (est.): $340

Estimated Total Monthly

$3,964

*30-year loan at 7.28% APR (avg 30-yr rate 2026-10-01, 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 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.

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 7:24 AM, sunset 7:07 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; a pool here trades warmth for comfort.

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$509,990−$11,000
Sep 14, 2026Price change$520,990−$15,000
Aug 17, 2026Listed$535,990

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

Features

Price$509,990

Price / Sq Ft$171

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,981

Acres0.19 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

Property ConditionUnder Construction

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Direction FacesSouthwest

School Information

ElementaryMamie Agnes Jones

MiddleBaldwin

HighBaldwin

Community Information

Address6438 Sparkling Stream Trail, Jacksonville, FL 32234

Area066-Cecil Commerce Area

SubdivisionDiamond Springs

CityJacksonville

CountyDuval

StateFL

Zip Code32234

Lot Size8,276.4 sq ft

Parcel Number0023970995

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 Stories2

LevelsTwo

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 Market46

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.

Keep looking

More homes in Diamond Springs