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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Old Mill Branch, Jacksonville — a waterfront home in Jacksonville.

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Active

Active·45 days on market·Old Mill Branch

10054 Richton Court

Jacksonville, FL 32246

$574,999$269/sqftEst. $3,185/moMLS# 2162940
↓ $25,000 below original listOpen house Sat, Oct 17 · 11:00 am–1:00 pm
4
Beds
3
Baths
2,134
Sq Ft
2002
Built
2
Garage
Yes
Pool

2 more homes for sale in Old Mill Branch →Search Old Mill Branch on the map

FEMA Zone XHOA $133/mo0.61 acresWaterfrontSingle Family Residence1 story

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Old Mill Branch

WELCOME TO 10054 RICHTON CT! This spacious 4-bedroom, 3-bath POOL HOME with a separate OFFICE/DEN sits on a quiet CUL-DE-SAC with GORGEOUS LAKE VIEWS! The split floor plan features Jack-and-Jill bedrooms, formal dining, breakfast area, laundry room, and a bright living room with a FIREPLACE and large windows overlooking the POOL! The kitchen is truly the HEART OF THE HOME with GRANITE COUNTERTOPS, REAL WOOD CABINETS, and plenty of space for gathering. Plantation shutters throughout add timeless style. Step outside to your PRIVATE POOL, peaceful backyard, and beautiful mature tree -- perfect for outdoor living or even a TREEHOUSE! A long driveway plus 2-car garage provides plenty of parking. Located in a GATED COMMUNITY with a pool and playground, just minutes from ST. JOHNS TOWN CENTER shopping, dining, and entertainment! POOL + LAKE + CUL-DE-SAC + GREAT LOCATION -- THIS HOME HAS IT ALL!

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$3,185
Property taxesest. at asking price, Duval County$939
HOAbilled annually$133
Estimated total, before insurance$4,257/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,077/yr · $673/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$574,999
$115,000
Loan Term
Monthly Payment
$3,185
Principal & Interest: $3,185
Property taxes (est.): $939
Insurance (est.): $383
Estimated Total Monthly
$4,507
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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: material not specified — year not disclosed (home built 2002)

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: ~1,761 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 September 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $8,077/yr

Estimated taxes if purchased at asking price: ~$11,300/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 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

  • Sep 21, 2026Price change$574,999−$25,000
  • Sep 1, 2026Listed$599,999

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 $250/sq ft; this home is listed at $269/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4592 Shiloh Mill Boulevard, Jacksonville, FL 32246Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$565,000$2633/22,14870.1
4582 Reedbark Lane, Jacksonville, FL 32246Listed by COMPASS FLORIDA LLCAug 2026$550,000$2504/22,199190.1
10133 Delpoint Lane, Jacksonville, FL 32246Listed by RE/MAX SPECIALISTS PVJul 2026$515,000$2553/22,023170.1
4410 Dalry Drive, Jacksonville, FL 32246Listed by RIVERLANE MANAGEMENTAug 2026$145,000$953/21,532180.4
4339 Dalry Drive, Jacksonville, FL 32246Listed by JWB REALTY LLCJul 2026$364,900$2074/21,760460.5
3823 Union Pacific Drive W, Jacksonville, FL 32246Listed by MOMENTUM REALTYAug 2026$345,000$2263/21,52451.1

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$574,999
Price / Sq Ft$269
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,134
Acres0.61 acres
Year Built2002
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontYes

Community Information

Address10054 Richton Court, Jacksonville, FL 32246
Area023-Southside-East Of Southside Blvd
SubdivisionOld Mill Branch
CityJacksonville
CountyDuval
StateFL
Zip Code32246
Lot Size26,571.6 sq ft
Parcel Number1677272040

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingAdditional Parking, Garage
Waterfront TypeLake Front

Interior

AppliancesDishwasher, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1

Additional Information

Date ListedSeptember 1, 2026
Days on Market42
HOA Fees$1,600 / Annually
HOA FrequencyAnnually
HOA NameOld Mills Branch
Tax Amount$8,077.18
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EXP REALTY LLC

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.

The neighborhood

About Old Mill Branch

Old Mill Branch is a neighborhood in Jacksonville, FL (Duval County), ZIP 32246.

View all Old Mill Branch homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

Open Houses

10/17/2026

11:00 am - 1:00 pm