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·52 days on market

2970 Harbison Street

Jacksonville, FL 32218

$229,999$192/sqftEst. $1,274/moMLS# 2160579

↓ $5,000 below original list

Beds

2.5

Baths

1,200

Sq Ft

2026

Built

Garage

Pool

FEMA Zone XNo HOASingle 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) 709-7917 Text Krista

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

About this home

Jacksonville

A promotional interest rate as low as 3.75% may be available to qualified buyers! Subject to lender approval; terms apply. Brand-new 2026 construction with quick move-in available! Enjoy the benefits of a new home with no HOA and no CDD fees. This two-story home offers a functional layout with all bedrooms located upstairs, including the spacious owner's suite, providing added privacy from the main living areas. Downstairs, the open floor plan creates a comfortable space for everyday living and entertaining. The kitchen comes complete with stainless steel appliances and opens to the backyard through a sliding glass door, bringing in plenty of natural light. A convenient half bath is also located on the first floor for guests. Whether you're a first-time homebuyer, looking to downsize, or simply searching for a low-maintenance home, this property offers modern finishes, energy-efficient construction, and move-in-ready convenience. Ideally located near major highways, shopping

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$1,274

Property taxesest. at asking price, Duval County$376

Estimated total, before insurance$1,650/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

$229,999

Down Payment: 20%

$46,000

Interest Rate: 7.40%

Loan Term

Monthly Payment

$1,274

Principal & Interest: $1,274

Property taxes (est.): $376

Insurance (est.): $153

Estimated Total Monthly

$1,803

*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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.

Likely septic

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: ~1,370 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

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:26 AM, sunset 7:02 PM.

Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
Morning coffee happens in shade; the front of the home takes the sunrise.

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

Aug 18, 2026Price change$229,999−$5,000
Aug 18, 2026Listed$234,999

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

Features

Price$229,999

Price / Sq Ft$192

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,200

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary, Traditional

Property ConditionUnder Construction

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Direction FacesEast

School Information

ElementaryHighlands

MiddleOceanway

HighFirst Coast

Community Information

Address2970 Harbison Street, Jacksonville, FL 32218

Area091-Garden City/Airport

SubdivisionGarden City

CityJacksonville

CountyDuval

StateFL

Zip Code32218

Parcel Number0197740020

ZoningResidential

Amenities

UtilitiesElectricity Available, Electricity Connected, Sewer Available, Water Available

SewerSeptic Tank

Water SourceWell

ParkingAttached, Garage

Interior

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

AppliancesDishwasher, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Vinyl

# of Stories2

LevelsTwo

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

Exterior

Patio / PorchRear Porch

RoofShingle

ConstructionFiber Cement

Road SurfaceAsphalt

Additional Information

Date ListedAugust 18, 2026

Days on Market28

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionYes

Listing Courtesy of: BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY

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.

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