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This home is in Jacksonville — a new construction home in Jacksonville.

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Pending

Pending·19 days on market

5406 Horseback Court

Jacksonville, FL 32234

$309,900$208/sqftEst. $1,641/moMLS# 2163007

↓ $20,000 below original list

Beds

Baths

1,489

Sq Ft

2026

Built

Garage

Pool

FEMA Zone XHOA $10/moSingle Family Residence1 storyNew construction

About this home

Jacksonville

Meet the Freeport+, a spacious and thoughtfully designed 1,489 sq. ft. one-story home offering 4 bedrooms, 2 bathrooms, and a 2-car garage. This open-concept layout with plenty of windows and a vaulted ceiling is built for both everyday living and entertaining. The kitchen features a large counter overlooking the gathering room, making it easy to host, help with homework, or stay connected while preparing meals. The seamless flow creates a bright and welcoming main living space everyone will love. The private primary suite is tucked away for added comfort, complete with a walk-in closet and en-suite shower for your own personal retreat. The additional bedrooms are thoughtfully positioned with a convenient Jack-and-Jill bathroom, providing functionality and privacy for family or guests. Need extra flexibility? The fourth bedroom is perfect for a home office, craft room, workout space, or guest suite designed to fit your lifestyle.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$1,641

Property taxesest. at asking price, Duval County$506

HOAbilled annually$10

Estimated total, before insurance$2,157/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

$309,900

Down Payment: 20%

$61,980

Interest Rate: 6.95%

Loan Term

Monthly Payment

$1,641

Principal & Interest: $1,641

Property taxes (est.): $506

Insurance (est.): $207

Estimated Total Monthly

$2,354

*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~1,636 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.

History

Price & status history

Sep 21, 2026Pending$309,900
Sep 15, 2026Price change$309,900−$10,000
Sep 9, 2026Price change$319,900−$10,000
Sep 2, 2026Listed$329,900

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

Features

Price$309,900

Price / Sq Ft$208

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,489

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryMamie Agnes Jones

MiddleBaldwin

HighBaldwin

Community Information

Address5406 Horseback Court, Jacksonville, FL 32234

Area065-Panther Creek/Adams Lake/Duval County-SW

SubdivisionBridle Creek

CityJacksonville

CountyDuval

StateFL

Zip Code32234

Parcel Number0022840975

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Dog Park, Fitness Center, Pickleball, Playground

UtilitiesElectricity Available, Sewer Available, Water Connected, Other

Water SourcePublic

ParkingAttached, Garage

ViewPond

Interior

Interior FeaturesEntrance Foyer, Kitchen Island, Open Floorplan, Pantry, Smart Home, Smart Thermostat, Walk-In Closet(s)

AppliancesOther, Dishwasher, Disposal, Electric Cooktop, Electric Range, Microwave

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Vinyl

# of Stories1

LevelsOne

Exterior

Patio / PorchPatio

RoofShingle

ConstructionOther, Fiber Cement, Frame

Additional Information

Date ListedSeptember 2, 2026

Days on Market15

HOA Fees$115 / Annually

HOA FrequencyAnnually

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionYes

Listing Courtesy of: D R HORTON REALTY INC · CMRogers1@drhorton.com

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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