This home is in Jacksonville — a new construction home in Jacksonville.
$651,9903 bd · 3 ba · 2,300 sq ft
Active·3 days on market
13776 Penshell Drive
Jacksonville, FL 32224
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Lot 4 - The Reef offers a thoughtfully designed three-story layout that blends comfort, functionality, and modern living. The first floor features a flexible living space and half bath, providing versatility to fit a variety of lifestyles. A covered lanai extends the living space outdoors, while the attached two-car garage adds everyday convenience. The second floor serves as the heart of the home, featuring an open-concept kitchen, dining area, and Great Room, complemented by a spacious island, walk-in pantry, and half bath. Upstairs, the owner's suite offers a private retreat with two walk-in closets, while two secondary bedrooms, a full bath, and a centrally located laundry room complete the level. Located at Luxe202 in Jacksonville's Intracoastal area, residents enjoy convenient access to Mayo Clinic, St. Johns Town Center, Jacksonville's beaches, Downtown Jacksonville, and a variety of shopping, dining, and recreational destinations.
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.
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 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: ~1,655 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.
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.
Closest beach parking
16th Ave Sabout 5 mi · 28 parking spaces
Closest park or preserve
Dutton Island Preserveabout 6 mi · 1.2 mi of trails
Closest public boat ramp
Pottsburg Creek Public Boat Rampabout 6 mi · Pottsburg Creek
Closest kayak & paddleboard launch
Castaway Island Preserve Kayak Dockabout 4 mi · Atlantic Intercoastal Waterway
Closest youth league fields
Patton Parkabout 3 mi · Soccer
Closest grocery store
Publixabout 0.2 mi · 4765 Hodges Blvd, 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.
History
Price & status history
- Nov 6, 2026Price change$651,990−$348
- Nov 6, 2026Listed$652,338
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 $245/sq ft; this home is listed at $283/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 13810 Sutton Park Drive N 528, Jacksonville, FL 32224Listed by LATITUDE 30 REALTY LLC | Aug 2026 | $268,750 | $155 | 3/2 | 1,732 | 388 | 0.6 |
| 13582 Isla Vista Drive, Jacksonville, FL 32224Listed by PENINSULA PROPERTIES REALTY INC | Aug 2026 | $520,000 | $259 | 3/2.5 | 2,010 | 31 | 1.6 |
| 13525 Isla Vista Drive, Jacksonville, FL 32224Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Aug 2026 | $508,500 | $226 | 3/2.5 | 2,247 | 81 | 1.7 |
| 13435 Isla Vista Drive, Jacksonville, FL 32224Listed by RE/MAX SPECIALISTS | Oct 2026 | $450,000 | $244 | 3/2.5 | 1,846 | 15 | 1.8 |
| 13451 Isla Vista Drive, Jacksonville, FL 32224Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $460,000 | $246 | 3/2.5 | 1,867 | 100 | 1.8 |
| 13447 Isla Vista Drive, Jacksonville, FL 32224Listed by ROUND TABLE REALTY | Jul 2026 | $509,000 | $245 | 3/2.5 | 2,075 | 17 | 1.8 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MATTAMY REAL ESTATE SERVICES
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
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 home20+ years · 500+ closings · NE Florida
Is this home priced right?
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