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 Kensington Gardens, Jacksonville — a home near Sandalwood High School.

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Active·Listed today·Kensington Gardens

1938 Hovington Circle W

Jacksonville, FL 32246

$515,000$224/sqftEst. $2,675/moMLS# 2164250

Beds

Baths

2,303

Sq Ft

1995

Built

Garage

Pool

About this home

Kensington Gardens

Welcome to 1938 N Hovington Circle W, a charming 4-bedroom, 2-bath home offering comfortable living and a peaceful pond view in a convenient Jacksonville location. The thoughtfully designed layout provides plenty of space for everyday living, entertaining, and working from home. Enjoy relaxing with tranquil views of the pond from the home, creating a pleasant backdrop for morning coffee or winding down at the end of the day. The four-bedroom floor plan offers flexibility for guests, a home office, hobbies, or additional living space. Ideally located near the beautiful Atlantic Beach area, this home offers the opportunity to enjoy both convenient city living and the Northeast Florida coastal lifestyle. Nearby shopping, dining, recreation, and major roadways make getting around Jacksonville a breeze. Whether you're looking for your next home or an investment opportunity, this property is worth exploring. New dishwasher installed. Roof will be replaced with an acceptable offer.

Cost to own

Mortgage calculator

Home Price

$515,000

Down Payment: 20%

$103,000

Interest Rate: 6.76%

Loan Term

Monthly Payment

$2,675

Principal & Interest: $2,675

Property taxes (est.): $841

Insurance (est.): $343

Estimated Total Monthly

$3,859

*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.76% · 30yr$2,675

Property taxesest. at asking price, Duval County$841

HOAbilled annually$73

Estimated total, before insurance$3,589/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,675/yr · $640/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).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $7,675/yr

Estimated taxes if purchased at asking price: ~$10,100/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1995)

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

Solar potential: ~1,756 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

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