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Active

Active·16 days on market

879 County Road 217

Jacksonville, FL 32234

$885,000$234/sqftEst. $4,573/moMLS# 2161138

Beds

Baths

3,788

Sq Ft

2003

Built

3.5

Garage

Pool

About this home

Jacksonville

Most buyers searching for acreage think they have to choose: the freedom of country living or the comfort and craftsmanship of an impressive home. Here, you get both. Set on 2.63 private acres with no HOA, this custom brick home offers nearly 3,800 square feet, 5 bedrooms, 4 full baths, fresh interior paint, brand-new carpet and a 2023 roof. Multiple living spaces provide room for an office, game room, media room, multigenerational suite or even a 6th bedroom. Soaring ceilings, extensive millwork, generous room sizes and a spacious primary suite with a jetted tub make an impression from the moment you enter. Outside, enjoy a covered porch, breezeway, two patios, circular drive and oversized 3.5-car garage, with room for an RV, hobbies, garden or horses. Convenient to major roadways, Cecil Commerce Center and JAX airport. Zoned for A-rated Clay County schools. No HOA. No cookie-cutter neighborhood. Just room to live life on your terms.

Cost to own

Mortgage calculator

Home Price

$885,000

Down Payment: 20%

$177,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$4,573

Principal & Interest: $4,573

Property taxes (est.): $1,356

Insurance (est.): $590

Estimated Total Monthly

$6,520

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$4,573

Property taxesest. at asking price, Clay County$1,356

Estimated total, before insurance$5,929/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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $358/yr

Estimated taxes if purchased at asking price: ~$16,300/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 792 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.

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 — 2023 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Private well (public record)

County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

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

Solar potential: ~1,449 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

Price & status history

Aug 20, 2026Listed$885,000

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

Features

Price$885,000

Price / Sq Ft$234

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage3,788

Acres2.56 acres

Year Built2003

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3.5

Has PoolNo

Is WaterfrontNo

School Information

ElementaryClay Hill

MiddleWilkinson

HighMiddleburg

Community Information

Address879 County Road 217, Jacksonville, FL 32234

Area141-Middleburg NW

SubdivisionClay Hill

CityJacksonville

CountyClay

StateFL

Zip Code32234

Lot Size111,513.6 sq ft

Parcel Number16042300010900206

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPrivate Sewer

Water SourceWell

ParkingCircular Driveway, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Range, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup

SecurityEntry Phone/Intercom