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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 waterfront home in Jacksonville.

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Active·Listed today

10566 Scott Mill Road

Jacksonville, FL 32257

$3,650,900$943/sqftEst. $19,984/moMLS# 2167836
4
Beds
5
Baths
3,870
Sq Ft
2026
Built
3
Garage
Yes
Pool
No HOA2.84 acresWaterfrontSingle Family Residence2 storiesNew construction

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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.

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville

To Be Constructed! Inspired by the Coastal Living style, this gorgeous custom-designed home offers 3,870 square feet of living space, plus an oversized 3-car garage and plenty of room outdoors. Soaring, two-story volume ceilings allow for enhanced natural lighting in the welcoming entryway as well as the living room and an open-concept floor plan creates a bright and breezy atmosphere throughout. Custom amenities can be found in abundance within the gourmet Kitchen, complete with luxury appliances, custom cabinetry and a large walk-in pantry. Also on the first floor is the Owners Suite, equipped with separate walk-in closets and a spa-style bathroom anchored by a large walk-in shower with multiple shower heads, a Guest Suite, and a Home Office with vaulted ceilings and more wonderful, natural light. The second floor offers two additional suited rooms, complete with two full bathrooms and walk-in closets.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.28% · 30yr$19,984
Property taxesest. at asking price, Duval County$5,961
Estimated total, before insurance$25,945/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

$3,650,900
$730,180
Loan Term
Monthly Payment
$19,984
Principal & Interest: $19,984
Property taxes (est.): $5,961
Insurance (est.): $2,434
Estimated Total Monthly
$28,379
*30-year loan at 7.28% APR (avg 30-yr rate 2026-10-01, 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

Taxes & assessment

YearMarket valueTaxable valueChange
2025$1,028,320$912,704▲ $2,374
2024$1,025,859$829,731▲ $16,728
2023$1,009,805$754,301—
2022$766,509$685,729▲ $70,282
2021$691,833$623,390—
2020$566,719$566,719—

2023 property taxes (current owner): $15,399/yr

Estimated taxes if purchased at asking price: ~$71,500/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 (2025), NEFMLS.

History

Price & status history

  • Oct 5, 2026Listed$3,650,900

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

Features

Price$3,650,900
Price / Sq Ft$943
Bedrooms4
Bathrooms5.00
Full Baths4
Half Baths2
Square Footage3,870
Acres2.84 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages3
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontYes
New ConstructionYes

School Information

ElementaryLoretto
MiddleMandarin

Community Information

Address10566 Scott Mill Road, Jacksonville, FL 32257
Area013-Beauclerc/Mandarin North
SubdivisionSylvan Bluff
CityJacksonville
CountyDuval
StateFL
Zip Code32257
Lot Size123,710.4 sq ft
Lot Dimensions96 x 1200
Parcel Number1588330000

Amenities

UtilitiesOther
Water SourceOther
ParkingOther
ViewRiver
Waterfront TypeRiver Access

Interior

AppliancesOther
HeatingCentral
CoolingCentral Air
# of Stories2

Exterior

Lot DescriptionFew Trees
Road FrontageCity Street

Additional Information

Date ListedOctober 5, 2026
Days on Market0
Tax Amount$15,399.18
Tax Year2023
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: WATSON REALTY CORP

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

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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