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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

$389,9004 bd · 2 ba · 1,707 sq ft

Active·4 days on market

656 Spaulding Road

Jacksonville, FL 32218

$389,900$228/sqftEst. $2,126/mo mortgageMLS# 2172557
4
Beds
2
Baths
1,707
Sq Ft
2026
Built
—
Garage
No
Pool
FEMA Zone XNo HOA1.00 acresManufactured Home1 storyNew construction

See it this week

Want to walk through this home this week?

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

**Brand-New 4-Bedroom Home on a Spacious One-Acre Lot** Enjoy the perfect blend of modern comfort, generous living space, and convenience with this brand-new Champion manufactured home situated on a beautiful one-acre lot! Offering over 1,700 square feet of thoughtfully designed living space, this home features 4 bedrooms, 2 full bathrooms, and a versatile bonus room that can easily serve as a home office, playroom, hobby room, or additional living space. The inviting open-concept floor plan creates a seamless flow between the living, dining, and kitchen areas. The spacious kitchen is sure to impress with its center island and stainless-steel appliances, making it ideal for everyday living and entertaining. The split-bedroom layout provides added privacy, while the cozy living room features a modern electric fireplace, adding warmth and charm to the space.

Next steps in Jacksonville

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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$2,126
Property taxesest. at asking price, Duval County$637
Estimated total, before insurance$2,762/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

$389,900
$77,980
Loan Term
Monthly Payment
$2,126
Principal & Interest: $2,126
Property taxes (est.): $637
Insurance (est.): $260
Estimated Total Monthly
$3,022
*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 (the whole 1.1-acre lot)

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 E

Zone E evacuates after zones A, B, C, D 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.

Solar potential: ~1,354 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.

As of November 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.

Sun & Light

South-facing backyard — the year-round light lot

The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 6:48 AM, sunset 5:33 PM.

  • The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
  • Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

  • Nov 5, 2026Listed$389,900

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 $191/sq ft; this home is listed at $228/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
475 Cole Road W, Jacksonville, FL 32218Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYOct 2026$273,500$2293/21,196880.1
12746 Woodland Avenue, Jacksonville, FL 32218Listed by PALM III REALTY AND PROPERTY MSep 2026$160,000$884/21,814950.8
433 Ponce Boulevard, Jacksonville, FL 32218Listed by JWB REALTY LLCSep 2026$343,000$1954/21,759421.1
11948 Aaron Road, Jacksonville, FL 32218Listed by LISA DUKE REALTY LLCNov 2026$275,000$1913/21,440591.2
554 Avalon Woods Lane, Jacksonville, FL 32218Listed by LENNAR REALTY INCOct 2026$348,320$1664/32,0941091.3
578 Avalon Woods Lane, Jacksonville, FL 32218Listed by LENNAR REALTY INCOct 2026$339,985$1634/32,0842991.3

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$389,900
Price / Sq Ft$228
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,707
Acres1.00 acres
Year Built2026
TypeResidential
Sub-TypeManufactured Home
StatusActive
Has PoolNo
Is WaterfrontNo
New ConstructionYes
Direction FacesNorth

School Information

ElementaryOceanway
MiddleOceanway
HighFirst Coast

Community Information

Address656 Spaulding Road, Jacksonville, FL 32218
Area092-Oceanway/Pecan Park
SubdivisionSection Land
CityJacksonville
CountyDuval
StateFL
Zip Code32218
Lot Size43,560 sq ft
Parcel Number106832-0080
ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourceWell
Green / EnergyAppliances
ParkingOther
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Electric Water Heater, Refrigerator
HeatingCentral
CoolingCentral Air
FireplaceYes
# of Fireplaces1
Fireplace FeaturesElectric
# of Stories1
LevelsOne

Exterior

Lot DescriptionDead End Street, Few Trees
RoofShingle
ConstructionVinyl Siding
Other StructuresShed(s)
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedNovember 6, 2026
Days on Market4
Listing TermsCash, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: PREMIER HOMES 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.

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