This home is in Jacksonville — a waterfront home in Jacksonville.
Active·12 days on market
4633 Harvest Grain Trail
Jacksonville, FL 32226
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Like-new and move-in ready! Built in 2023 by Pulte, this Windsor plan is the largest design in Bradley Pond, offering 3 bedrooms, 2.5 baths, a private office and an upstairs loft. Wide-plank flooring, 9-ft ceilings and 8-ft doors lead to a bright, open great room. The kitchen is the showpiece: a quartz island with seating for four, crisp white cabinetry, stainless appliances, gas cooktop, built-in wall ovens and a pantry. A French-door office and half bath complete the main level. Upstairs, the loft adds a second living space, and the oversized owner's suite offers pond views, a dual-sink vanity, glass-enclosed walk-in shower and walk-in closet.
Next steps in Jacksonville
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 2023)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,761 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 homeAs 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Bluffs Scenic Trail, Big Talbot Island State Parkabout 6 mi · 35 parking spaces
Closest park or preserve
Pumpkin Hill Creek Preserve State Parkabout 3 mi · 7.9 mi of trails
Closest public boat ramp
Palms Fish Camp Public Rampabout 4 mi · St. Johns River - Clapboard Creek
Closest kayak & paddleboard launch
Pumpkin Hill Creek Preserve State Park Canoe / Kayak Launchabout 4 mi · Pumpkin Hill Creek
Closest youth league fields
William F. Sheffield Regional Parkabout 1 mi · Baseball, Football, Softball
Closest grocery store
Publixabout 2 mi · 12541 Yellow Bluff Rd, Jacksonville
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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $418,339 | $364,555 | — |
| 2024 | $403,574 | $353,574 | ▲ $8,264 |
| 2023 | $65,000 | $65,000 | — |
| 2022 | $65,000 | $63,447 | — |
2025 property taxes (current owner): $7,015/yr
Estimated taxes if purchased at asking price: ~$7,800/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 (2025), NEFMLS.
History
Price & status history
- Oct 16, 2026Listed$399,000
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 $194/sq ft; this home is listed at $154/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4559 Haystack Court, Jacksonville, FL 32226Listed by SOMEDAY HOMES REALTY, LLC. | Oct 2026 | $450,000 | $163 | 4/3.5 | 2,769 | 47 | 0.1 |
| 12481 Royal Red Way, Jacksonville, FL 32226Listed by REMAX WELCOME HOME | Sep 2026 | $515,000 | $194 | 4/3 | 2,659 | 100 | 0.2 |
| 12264 Sacha Road, Jacksonville, FL 32226Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Sep 2026 | $324,232 | $171 | 4/2 | 1,895 | 298 | 0.5 |
| 5261 Ostrich Court, Jacksonville, FL 32226Listed by ERA ONETEAM REALTY | Sep 2026 | $764,000 | $248 | 4/3 | 3,084 | 101 | 0.6 |
| 5814 Candelore Court, Jacksonville, FL 32226Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Sep 2026 | $611,611 | $226 | 3/3.5 | 2,712 | 0 | 0.7 |
| 12622 Pine Marsh Way, Jacksonville, FL 32226Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Oct 2026 | $381,000 | $139 | 4/2.5 | 2,737 | 393 | 0.9 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: THE NEWCOMER GROUP
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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Krista Fracke
Broker Associate
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