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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 gated community home in Jacksonville.

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Active·Listed today

15764 Pinyon Lane

Jacksonville, FL 32218

$449,990$214/sqftEst. $2,402/moMLS# 2167073
4
Beds
2
Baths
2,106
Sq Ft
2018
Built
2
Garage
Yes
Pool
HOA $67/mo7,405 sqft lotSingle Family Residence1 story

About this home

Jacksonville

Welcome to this meticulously maintained oasis in desirable Pine Lakes! Arrive to an expanded driveway offering ample parking and striking curb appeal. Inside, enjoy a bright, open-concept layout featuring brand-new flooring in bedrooms and pristine finishes that reflect true pride of ownership. Step out back into your private backyard paradise: a sparkling, heated in-ground pool enclosed in a spacious screen lanai perfect for year-round swimming and outdoor living. Bonus: Sellers will pay off the solar panel system with an acceptable offer, letting you enjoy incredible energy savings from day one! Located minutes from Jacksonville International Airport, River City Marketplace, and major interstates, this turnkey gem combines convenience, efficiency, and luxury. Schedule your private tour today!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.03% · 30yr$2,402
Property taxesest. at asking price, Duval County$735
HOAbilled annually$67
Estimated total, before insurance$3,204/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

$449,990
$89,998
Loan Term
Monthly Payment
$2,402
Principal & Interest: $2,402
Property taxes (est.): $735
Insurance (est.): $300
Estimated Total Monthly
$3,437
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

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 2018)

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

Solar potential: ~1,721 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $384/yr

Estimated taxes if purchased at asking price: ~$8,800/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

  • Sep 30, 2026Listed$449,990

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

Features

Price$449,990
Price / Sq Ft$214
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,106
Acres0.17 acres
Year Built2018
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Heated, Screen Enclosure
Is WaterfrontNo

School Information

ElementaryOceanway
MiddleOceanway
HighFirst Coast

Community Information

Address15764 Pinyon Lane, Jacksonville, FL 32218
Area092-Oceanway/Pecan Park
SubdivisionPine Lakes
CityJacksonville
CountyDuval
StateFL
Zip Code32218
Lot Size7,405.2 sq ft
Parcel Number1082351660

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Playground, Tennis Court(s)
Community FeaturesGated
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Off Street

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Laminate, Tile
# of Stories1
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Patio / PorchPatio, Screened
FencingPrivacy
RoofShingle
ConstructionStucco
Road SurfaceAsphalt

Additional Information

Date ListedSeptember 30, 2026
Days on Market1
HOA Fees$800 / Annually
HOA FrequencyAnnually
Tax Amount$384
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EXIT INSPIRED REAL ESTATE

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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