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 gated community home in Jacksonville.

Pending

Pending·66 days on market

5041 Clapboard Creek Drive

Jacksonville, FL 32226

$1,699,512$467/sqftEst. $9,340/mo mortgageMLS# 2160973

Beds

4.5

Baths

3,641

Sq Ft

2026

Built

Garage

Pool

HOA $72/moSingle Family Residence1 storyNew 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

Live luxuriously in the Monica! Single-story, 3,488 sq ft with 4 bedrooms, 4.5 baths, and 4-car garage. Open-concept kitchen, dining, and living areas extend to the lanai. Master suite with spa bath, walk-in closet, and French doors. Flexible layouts, optional game room, and customization to create your dream home.

FollowNew Over 55 & Active Adult homes the day they list · free, no account

Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$9,340

Property taxesest. at asking price, Duval County$2,775

HOAbilled quarterly$72

Estimated total, before insurance$12,187/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

$1,699,512

Down Payment: 20%

$339,902

Interest Rate: 7.32%

Loan Term

Monthly Payment

$9,340

Principal & Interest: $9,340

Property taxes (est.): $2,775

Insurance (est.): $1,133

Estimated Total Monthly

$13,248

*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~1,765 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

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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Closest beach parking
Bluffs Scenic Trail, Big Talbot Island State Park
about 5 mi · 35 parking spaces
Closest park or preserve
Pumpkin Hill Creek Preserve State Park
about 3 mi · 7.9 mi of trails
Closest public boat ramp
Palms Fish Camp Public Ramp
about 3 mi · St. Johns River - Clapboard Creek
Closest kayak & paddleboard launch
Pumpkin Hill Creek Preserve State Park Canoe / Kayak Launch
about 3 mi · Pumpkin Hill Creek
Closest youth league fields
William F. Sheffield Regional Park
about 3 mi · Baseball, Football, Softball
Closest grocery store
Publix
about 3 mi · 12541 Yellow Bluff Rd, Jacksonville

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

History

Price & status history

Aug 20, 2026Listed$1,699,512

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $236/sq ft; this home is listed at $467/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
5612 Clapboard Creek Drive, Jacksonville, FL 32226Listed by ICI SELECT REALTY, INC.	May 2026	$1,177,284	$274	5/4.5	4,297	0	0.1
5054 Clapboard Creek Drive, Jacksonville, FL 32226Listed by ICI SELECT REALTY, INC.	Sep 2025	$1,093,526	$278	6/4	3,938	0	0.1
5340 Clapboard Cove Court, Jacksonville, FL 32226Listed by ALFA REALTORS CORP	Oct 2026	$639,000	$163	5/3.5	3,931	85	0.2
5274 Clapboard Cove Court, Jacksonville, FL 32226Listed by ICI SELECT REALTY, INC.	Oct 2025	$740,000	$232	4/3.5	3,196	465	0.2
5287 Clapboard Cove Court, Jacksonville, FL 32226Listed by ICI SELECT REALTY, INC.	Jul 2025	$630,000	$236	4/3	2,668	272	0.2
5279 Cattle Crossing Way, Jacksonville, FL 32226Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY	Mar 2026	$605,000	$169	4/3	3,581	25	0.3

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$1,699,512

Price / Sq Ft$467

Bedrooms4

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage3,641

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUnder Construction

StatusPending

# of Garages8

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

This listingNo schools reported in the MLS

ElementaryNew Berlin, reported on 23 other Tidewater listings

MiddleOceanway, reported on 23 other Tidewater listings

HighFirst Coast, reported on 23 other Tidewater listings

County schoolsJacksonville Area Schools

ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address5041 Clapboard Creek Drive, Jacksonville, FL 32226

Area096-Ft George/Blount Island/Cedar Point

SubdivisionTidewater

CityJacksonville

CountyDuval

StateFL

Zip Code32226

Parcel Number1599425420

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Gated, Park, Playground

UtilitiesCable Available, Electricity Available, Propane

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewRiver

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Microwave

HeatingCentral

CoolingCentral Air

FlooringWood

FireplaceYes

Fireplace FeaturesGas

# of Stories1

LevelsOne

SecuritySecurity Gate

Exterior

Patio / PorchCovered, Front Porch, Rear Porch

RoofShingle

ConstructionFrame

Road SurfaceAsphalt

Additional Information

Date ListedAugust 20, 2026

Days on Market66

HOA Fees$216 / Quarterly

HOA FrequencyQuarterly

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionYes

Listing Courtesy of: ICI SELECT REALTY, INC.

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 Tidewater