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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 Jacksonville — a new construction home in Jacksonville.

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Active

$389,9004 bd · 2 ba · 2,084 sq ft

Active·47 days on market

13485 Yellow Bluff Road

Jacksonville, FL 32226

$389,900$187/sqftEst. $2,126/mo mortgageMLS# 2166241
↓ $20,000 below original list
4
Beds
2
Baths
2,084
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XNo HOASingle Family Residence1 storyNew construction

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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

Beautiful 4/2 home with an office space, and covered lanai, near River City Marketplace, shopping, restaurants, and more. The open concept floor plan is always a plus, and the inclusion of white cabinets, granite countertops, and Revwood flooring in the color aged burlap oak in living areas (with carpet in the bedrooms) will add a modern and comfortable touch. The stainless-steel appliance package which includes a side-by-side fridge, self-cleaning glass top range, dishwasher, and OTR microwave are a great convenience for any homeowner. It's also reassuring that the home comes with a 1-year builder warranty and termite bond, providing peace of mind for the buyer. This property is well-equipped and designed for modern living. The combination of features and location makes it a compelling option for those looking for a new home in a fast-growing area. Staging photos are an example, colors, finishes, fixtures may vary.

Next steps in 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 · 7.24% · 30yr$2,126
Property taxesest. at asking price, Duval County$637
Estimated total, before insurance$2,762/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

$389,900
$77,980
Loan Term
Monthly Payment
$2,126
Principal & Interest: $2,126
Property taxes (est.): $637
Insurance (est.): $260
Estimated Total Monthly
$3,022
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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 D

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

Roof: Shingle — year not disclosed (home built 2026)

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

Likely septic · 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: ~1,705 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.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

History

Price & status history

  • Nov 1, 2026Price change$389,900−$10,000
  • Oct 20, 2026Price change$399,900−$10,000
  • Sep 23, 2026Listed$409,900

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 $185/sq ft; this home is listed at $187/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
13513 Yellow Bluff Road, Jacksonville, FL 32226Listed by RPB REALTY,INCSep 2026$409,900$1974/22,0841100
13781 Victoria Lakes Drive, Jacksonville, FL 32226Listed by IRON VALLEY REAL ESTATE NORTH FLORIDAOct 2026$438,000$1953/2.52,25050.4
13895 Fish Eagle Drive E, Jacksonville, FL 32226Listed by SOVEREIGN REAL ESTATE GROUPSep 2026$365,000$1544/32,371650.6
13530 Teddington Lane, Jacksonville, FL 32226Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$362,500$1813/22,001160.6
14030 Redrock Lake Drive, Jacksonville, FL 32226Listed by COLDWELL BANKER VANGUARD REALTYOct 2026$310,000$1853/21,674250.7
13925 Fish Eagle Drive E, Jacksonville, FL 32226Listed by MOMENTUM REALTYOct 2026$320,000$1624/21,977340.7

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$389,900
Price / Sq Ft$187
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,084
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUnder Construction
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

This listingNo schools reported in the MLS
ElementaryNew Berlin, reported on 5 other Section Land listings
MiddleOceanway, reported on 7 other Section Land listings
HighFirst Coast, reported on 7 other Section Land listings
County schoolsJacksonville Area Schools
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address13485 Yellow Bluff Road, Jacksonville, FL 32226
Area096-Ft George/Blount Island/Cedar Point
SubdivisionSection Land
CityJacksonville
CountyDuval
StateFL
Zip Code32226
Lot Dimensions100x190x82.5+/-
Parcel Number106391 0140

Amenities

UtilitiesSewer Not Available, Water Connected
SewerSeptic Tank
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Laminate
# of Stories1
LevelsOne

Exterior

Patio / PorchCovered, Front Porch, Rear Porch
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedSeptember 24, 2026
Days on Market47
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: RPB REALTY,INC

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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