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·3 days on market

2970 Harbison Street

Jacksonville, FL 32218

$229,999$192/sqftEst. $1,181/moMLS# 2160579

Beds

Baths

1,200

Sq Ft

2026

Built

Garage

Pool

About this home

Jacksonville

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, dining, Downtown Jacksonville, and Jacksonville International Airport.

Cost to own

Mortgage calculator

Home Price

$229,999

Down Payment: 20%

$46,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,181

Principal & Interest: $1,181

Property taxes (est.): $376

Insurance (est.): $153

Estimated Total Monthly

$1,710

*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$1,181

Property taxesest. at asking price, Duval County$376

Estimated total, before insurance$1,557/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.

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.

History