This home is in Jacksonville.
Pending·37 days on market
1277 McGirts Creek Drive E
Jacksonville, FL 32221
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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
Welcome to 1277 McGirts Creek Drive East, a beautifully maintained 3-bedroom, 2-bath home designed for comfortable living and effortless entertaining. The spacious kitchen offers abundant cabinetry and plenty of workspace, while the versatile bonus area is ideal for a home office, playroom, or second family room. Step outside to an impressive, custom-designed paver patio featuring an outdoor kitchen, fire pit, ambient lighting, electrical connections for a TV, and generous seating space--the perfect setting for relaxing and enjoying beautiful evening sunsets. Additional highlights include a 2021 roof, 2021 water heater, and 2018 HVAC system. Conveniently located near I-10, I-295, shopping, dining, and everyday conveniences. Schedule your private showing today! OPEN HOUSE SATURDAY SEPTEMBER 19TH 5-6:30PM. Come visit us!
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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: material not specified — 2021 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,692 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 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): $2,119/yr
Estimated taxes if purchased at asking price: ~$6,900/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 8, 2026Pending$350,000
- Oct 8, 2026Active Under Contract$350,000
- Oct 3, 2026Price change$350,000−$5,000
- Sep 3, 2026Listed$355,000
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 $182/sq ft; this home is listed at $205/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1655 S Chaffee Road, Jacksonville, FL 32221Listed by EXIT INSPIRED REAL ESTATE | Oct 2026 | $310,000 | $244 | 3/2 | 1,269 | 76 | 0.7 |
| 10428 Crystal Springs Road, Jacksonville, FL 32221Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Aug 2026 | $395,000 | $192 | 3/2 | 2,059 | 15 | 0.7 |
| 10321 Normanwood Court, Jacksonville, FL 32221Listed by UNITED REAL ESTATE GALLERY | Aug 2026 | $270,000 | $140 | 4/2 | 1,922 | 90 | 0.8 |
| 2230 Snowcreek Court, Jacksonville, FL 32221Listed by HERRON REAL ESTATE LLC | Oct 2026 | $290,000 | $166 | 3/2 | 1,748 | 18 | 1 |
| 1380 Panther Preserve Parkway, Jacksonville, FL 32221Listed by ROUND TABLE REALTY | Sep 2026 | $280,000 | $182 | 3/2 | 1,541 | 74 | 1.2 |
| 9733 N Peabody Drive, Jacksonville, FL 32221Listed by THE LEGENDS OF REAL ESTATE | Sep 2026 | $265,000 | $157 | 3/2 | 1,689 | 67 | 1.2 |
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
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG 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.
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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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Northeast Florida living
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