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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

$384,9004 bd · 2 ba · 1,774 sq ft

Active·17 days on market

5481 Horseback Court

Jacksonville, FL 32234

$384,900$217/sqftEst. $2,098/mo mortgageMLS# 2170220
4
Beds
2
Baths
1,774
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XHOA $10/moSingle Family Residence1 storyNew construction

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

About this home

Jacksonville

This is a to-be-built home. Construction will begin upon contract. The Rhett floor plan offers 1,774 square feet of thoughtfully designed living space with 4 bedrooms, 2 bathrooms, and a 2-car garage the perfect balance of comfort and functionality. This popular layout features a spacious open-concept design where the kitchen, dining area, and large gathering room all flow together seamlessly in one expansive space. With abundant natural light and 9-foot ceilings throughout, the main living area feels bright, welcoming, and ideal for both everyday living and special occasions. The kitchen is a true centerpiece, featuring a large island perfect for entertaining, casual dining, or homework time. You'll love the generous counter space for meal prep and hosting, making it easy to gather with friends and family while staying connected to the action in the gathering room. The private owner's suite offers a relaxing retreat with a spacious walk-in closet and an en-suite bath.

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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$2,098
Property taxesest. at asking price, Duval County$628
HOAbilled annually$10
Estimated total, before insurance$2,737/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

$384,900
$76,980
Loan Term
Monthly Payment
$2,098
Principal & Interest: $2,098
Property taxes (est.): $629
Insurance (est.): $257
Estimated Total Monthly
$2,984
*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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

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

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

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, 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

  • Oct 21, 2026Listed$384,900

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 $209/sq ft; this home is listed at $217/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
14255 Tack Room Road, Jacksonville, FL 32234Listed by D R HORTON REALTY INCOct 2026$371,900$1845/32,0161090.1
5413 Horseback Court, Jacksonville, FL 32234Listed by D R HORTON REALTY INCOct 2026$293,440$2283/21,287130.1
14263 Tack Room Road, Jacksonville, FL 32234Listed by D R HORTON REALTY INCSep 2026$405,085$1804/2.52,256180.1
14258 Tack Room Road, Jacksonville, FL 32234Listed by D R HORTON REALTY INCSep 2026$345,000$2133/21,618240.1
14270 Tack Room Road, Jacksonville, FL 32234Listed by D R HORTON REALTY INCSep 2026$377,085$1875/32,016880.1
14259 Tack Room Road, Jacksonville, FL 32234Listed by D R HORTON REALTY INCAug 2026$370,000$2094/21,774540.1

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$384,900
Price / Sq Ft$217
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,774
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionTo Be Built
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

ElementaryMamie Agnes Jones
MiddleBaldwin
HighBaldwin

Community Information

Address5481 Horseback Court, Jacksonville, FL 32234
Area065-Panther Creek/Adams Lake/Duval County-SW
SubdivisionBridle Creek
CityJacksonville
CountyDuval
StateFL
Zip Code32234
Parcel Number0022841155

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Dog Park, Fitness Center, Pickleball, Playground
UtilitiesElectricity Available, Sewer Available, Water Connected
Water SourcePublic
ParkingAttached, Garage
ViewPond

Interior

Interior FeaturesEntrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Home, Smart Thermostat, Walk-In Closet(s), Other
AppliancesOther, Dishwasher, Disposal, Electric Cooktop, Electric Range, Microwave
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Laminate
# of Stories1
LevelsOne

Exterior

Patio / PorchCovered, Patio
RoofShingle
ConstructionOther, Fiber Cement, Frame

Additional Information

Date ListedOctober 21, 2026
Days on Market17
HOA Fees$115 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: D R HORTON 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.

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20+ years · 500+ closings · NE Florida

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