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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

Active·4 days on market

3018 San Pablo Road S

Jacksonville, FL 32224

$499,900$240/sqftEst. $2,769/moMLS# 2168892
4
Beds
2
Baths
2,084
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XNo HOA0.57 acresSingle Family Residence1 storyNew 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.

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; LESS THAN 10 MINUTES TO JAX BEACH! Near shopping & restaurants, and more. The open concept floor plan is always a plus, and the inclusion of boulder blue cabinets, granite countertops, and REVWOOD flooring 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 (range & fridge go in about a week before closing). 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. Staging photos are an example, colors, finishes, fixtures may vary.

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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 · 7.4% · 30yr$2,769
Property taxesest. at asking price, Duval County$816
Estimated total, before insurance$3,585/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

$499,900
$99,980
Loan Term
Monthly Payment
$2,769
Principal & Interest: $2,769
Property taxes (est.): $816
Insurance (est.): $333
Estimated Total Monthly
$3,918
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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 C

Zone C evacuates after zones A, B 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: ~1,433 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of October 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.

History

Price & status history

  • Oct 12, 2026Listed$499,900

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 $399/sq ft; this home is listed at $240/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2679 Treasure Cove Lane, Jacksonville, FL 32224Listed by HOME SOLD REALTY LLCSep 2026$518,000$2643/21,96520.6
14645 Lagoon Drive, Jacksonville, FL 32250Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTOct 2026$1,750,000$7314/32,39520.7
14803 Plumosa Drive, Jacksonville, FL 32250Listed by COASTAL REALTY JAXOct 2026$1,650,000$7613/22,1671561
2306 Pine Island Court, Jacksonville, FL 32224Listed by BERRY & CO. REAL ESTATESep 2026$1,035,000$3993/2.52,5951501.1
13725 Macapa Road, Jacksonville, FL 32224Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$345,000$1454/22,382581.1
2145 Grassy Basin Court, Jacksonville, FL 32224Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$570,000$2824/22,020751.2

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

Price$499,900
Price / Sq Ft$240
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,084
Acres0.57 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

Community Information

Address3018 San Pablo Road S, Jacksonville, FL 32224
Area025-Intracoastal West-North Of Beach Blvd
SubdivisionSection Land
CityJacksonville
CountyDuval
StateFL
Zip Code32224
Lot Size24,829.2 sq ft
Lot Dimensions71x373
Parcel Number167085 0060

Amenities

UtilitiesSewer Not Available, Water Connected
SewerSeptic Tank
Water SourcePublic
ParkingAttached

Interior

Interior FeaturesBreakfast Bar, 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

Exterior

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

Additional Information

Date ListedOctober 12, 2026
Days on Market0
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.

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.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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