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 home near Sandalwood High School.

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Active Under Contract

Active Under Contract·37 days on market

13405 Gerona Drive N

Jacksonville, FL 32246

$539,900$223/sqftEst. $2,991/moMLS# 2163202

Beds

Baths

2,421

Sq Ft

1988

Built

Garage

Pool

FEMA Zone XNo HOA0.54 acresSingle Family Residence1 story

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

Rare opportunity in the heart of Southside! This updated 4-bedroom, 3-bath home is situated on just over half an acre with no HOA. The welcoming front porch, thoughtfully updated with stained columns and modern cable railing, is just waiting for you to sit back and relax. Inside, you'll find a versatile split-bedroom floor plan, spacious bedrooms and abundant natural light. The completely remodeled kitchen showcases upgraded cabinetry, a stylish backsplash and stainless steel appliances. The remodel opened the main living area, creating a seamless flow from the kitchen and dining area into the spacious family room. Upgraded laminate flooring extends throughout the main living areas. The large owner's suite features a walk-in closet and private bath with a garden tub and separate shower. The secondary bedrooms are spacious, with one featuring its own private bathroom, perfect for guests or multigenerational living.

Next steps in New Construction — Jacksonville

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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$2,991

Property taxesest. at asking price, Duval County$882

Estimated total, before insurance$3,872/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

$539,900

Down Payment: 20%

$107,980

Interest Rate: 7.40%

Loan Term

Monthly Payment

$2,991

Principal & Interest: $2,991

Property taxes (est.): $882

Insurance (est.): $360

Estimated Total Monthly

$4,232

*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.

Hurricane evacuation zone E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: Shingle — year not disclosed (home built 1988)

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,752 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 12, 2026Active Under Contract$539,900
Sep 9, 2026Active$539,900
Sep 3, 2026Listed$539,900

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 $235/sq ft; this home is listed at $223/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
13725 Macapa Road, Jacksonville, FL 32224Listed by FLORIDA HOMES REALTY & MTG LLC	Sep 2026	$345,000	$145	4/2	2,382	58	0.4
13015 Bentwater Drive, Jacksonville, FL 32246Listed by FUTURE HOME REALTY INC	Sep 2026	$379,000	$210	3/2	1,805	106	0.4
2494 The Woods Drive E, Jacksonville, FL 32246Listed by MOMENTUM REALTY	Sep 2026	$435,455	$235	3/2	1,850	2	0.6
3121 Brettungar Drive, Jacksonville, FL 32246Listed by PURSUIT REAL ESTATE, LLC	Sep 2026	$690,000	$321	3/3	2,152	2	0.8
13175 Wexford Hollow Road N, Jacksonville, FL 32224Listed by INI REALTY	Sep 2026	$870,000	$292	5/4.5	2,984	59	0.9
13234 S Companion Circle, Jacksonville, FL 32224Listed by RE/MAX SPECIALISTS	Sep 2026	$365,000	$189	3/2	1,935	135	0.9

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$539,900

Price / Sq Ft$223

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,421

Acres0.54 acres

Year Built1988

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryKernan Trail

MiddleKernan

HighSandalwood

Community Information

Address13405 Gerona Drive N, Jacksonville, FL 32246

Area025-Intracoastal West-North Of Beach Blvd

SubdivisionGolden Glades

CityJacksonville

CountyDuval

StateFL

Zip Code32246

Lot Size23,522.4 sq ft

Lot Dimensions150 x 175

Parcel Number1668670000

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected

SewerSeptic Tank

Water SourceWell

ParkingAttached, Detached, Garage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Open Floorplan, Primary Bathroom - Tub with Shower, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Cooktop, Electric Oven, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Laminate, Tile

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySmoke Detector(s)

Exterior

Patio / PorchFront Porch, Porch, Screened

RoofShingle

ConstructionFiber Cement, Frame, Wood Siding

Other StructuresShed(s)

Road SurfaceGravel

Road FrontagePrivate Road

Additional Information

Date ListedSeptember 9, 2026

Days on Market3

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS

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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