This home is in Jacksonville — a gated community home in Jacksonville.
Active·45 days on market
5646 Kellar Circle
Jacksonville, FL 32218
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
NEW PRICE + SELLER IS OFFERING 1% TOWARDS THE BUYER'S CLOSING COSTS AND/OR PREPAIDS - OR USE IT TOWARD A RATE BUY-DOWN! FULLY FENCED YARD, WATER VIEW • SCREENED PATIO • 2020 CONSTRUCTION. Welcome to 5646 Kellar Circle! This one-owner, 3-bedroom, 2-bath, 1,737sf with flex/office space, has been maintained as a personal residence from day one. Inside, the open-concept design creates an easy flow between the living, dining and kitchen areas. Tile flooring runs throughout the main living spaces, while the bedrooms offer comfortable carpeted flooring. Enjoy peaceful views directly from your screened-in patio and fully fenced backyard, providing privacy and a comfortable outdoor space for relaxation, entertaining or enjoying the view. the location is a treat of its own. Conveniently located minutes form I-95, I-295, River city Marketplace, Jax Intl Airport, Mayport, Jacksonville Naval Station, UF Health and several major employment areas. Come see the difference in Person!
Next steps in Jacksonville
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 2020)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,742 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 homeAs 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 7:01 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $3,615/yr
Estimated taxes if purchased at asking price: ~$5,600/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 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.
History
Price & status history
- Oct 1, 2026Price change$284,400−$15,500
- Sep 24, 2026Price change$299,900−$4,600
- Sep 17, 2026Price change$304,500−$10,500
- Sep 4, 2026Price change$315,000−$13,000
- Aug 27, 2026Active$328,000
- Aug 22, 2026Listed$328,000
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 $180/sq ft; this home is listed at $164/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5948 Copper Creek Drive, Jacksonville, FL 32218Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $267,011 | $183 | 3/2 | 1,457 | 2 | 0.4 |
| 11166 Woodelm Drive E, Jacksonville, FL 32218Listed by COWFORD REALTY & DESIGN LLC | Sep 2026 | $322,725 | $185 | 3/2 | 1,741 | 17 | 0.5 |
| 10016 Spotted Sea Drive, Jacksonville, FL 32219Listed by ASHTON WOODS FLORIDA REALTY LLC | Sep 2026 | $327,990 | $180 | 4/2 | 1,827 | 32 | 0.8 |
| 5881 Victoria Creek Lane, Jacksonville, FL 32219Listed by D R HORTON REALTY INC | Sep 2026 | $258,000 | $173 | 3/2.5 | 1,492 | 59 | 0.9 |
| 4017 Clearbrook Cove Road, Jacksonville, FL 32218Listed by INTEGRITY KEY REALTY LLC | Sep 2026 | $234,000 | $126 | 4/2 | 1,855 | 35 | 1.2 |
| 10426 Slay Road, Jacksonville, FL 32219Listed by CW REALTY | Sep 2026 | $219,900 | $174 | 2/2 | 1,264 | 17 | 1.4 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MOMENTUM 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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Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines