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 Bartram Springs, Jacksonville — a home near Atlantic Coast High School.

1 / 70

Active

Active·2 days on market·Bartram Springs

14769 Falling Waters Drive

Jacksonville, FL 32258

$410,000$209/sqftEst. $2,106/moMLS# 2160807

Beds

Baths

1,964

Sq Ft

2006

Built

Garage

Pool

About this home

Bartram Springs

Just under 2,000 square feet with 4 bedrooms and 2 bathrooms, this Bartram Springs home puts you in one of the area's most amenity- rich neighborhoods- think community pool, water slide, fitness center, and tennis courts, all zones for A-rated schools. The backyard is wheere this one really opens up. Partially fenced with plenty of room to add a pool, a playground, or the outdoor living space you've been picturing. Inside, the layout works well for everyday life, and the location keeps you close to shopping, dining, and easy access around town.

Cost to own

Mortgage calculator

Home Price

$410,000

Down Payment: 20%

$82,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,106

Principal & Interest: $2,106

Property taxes (est.): $670

Insurance (est.): $273

Estimated Total Monthly

$3,048

*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$2,106

Property taxesest. at asking price, Duval County$669

HOAbilled annually$6

Estimated total, before insurance$2,781/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 2006)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,782 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

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