FEMA Zone X — flood insurance generally not federally required
Built 2026
$217/sq ft — above the area median of $214
159 days on market
HOA ~$50/mo (estimate; confirm)
Listing facts & disclosures
$499,900
List price
As listed in the MLS
3 / 3
Bed / bath
Per the listing
2,300
Living area
Sq ft (approx.)
$217
Price / sq ft
List ÷ living area
The home
Year built2026
Per public record.
Lot sizeSee record
Approximate; verify with survey.
Property typeTownhouse
Per the listing.
Costs
HOA$50/mo
Disclosure — confirm exact dues and inclusions.
CDD assessment~$2,200/yr
Estimate/disclosure — confirm the parcel's actual CDD with the county.
Est. first-year tax~$5,699/yr
Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.
Site & risk
FEMA flood zoneZone X
From the FEMA flood map; verify the parcel.
Ground elevation~20 ft
Approximate parcel elevation (USGS).
WindstormModerate
Coastal exposure varies; obtain an insurer quote.
Please note. Figures such as estimated taxes, insurance, CDD/HOA amounts, payments, and any market or comparable-sales summary are opinions and estimates for general information only, may be inaccurate, are not appraisals or advice, and should not be relied upon. Verify everything independently before making any decision.
Listing description
About this home
''Final opportunities in Kettering at eTown!''
With detailed exterior trim, soothing colors and stone accents, The Acosta in Villas at Kettering in eTown offers strong curb appeal and character. Step through the 8-foot entry door into a foyer with soaring ceilings and a staircas...
Description provided by WEEKLEY HOMES REALTY and reproduced from the MLS; not independently verified.
No surprises at closing
Estimate a monthly payment
A tool to estimate a monthly payment. All values are editable estimates, not a loan offer or a statement about this property. Property tax, insurance, CDD, and HOA figures are approximations — verify each independently.
Estimated monthly payment
$3,447
Principal & interest$2,607
Property tax$475
Insurance$131
CDD assessment$183
HOA$50
PMI$0
Down payment $99,980 · Loan $399,920. Estimate only — not a loan offer. We'll connect you with a local lender for an exact quote.
Estimated ownership costs
Estimated costs & disclosures
Estimates and disclosures for general information only. These are opinions/approximations, not guarantees, and should not be relied upon — confirm every figure with the county, your lender, and an insurer.
Property tax reset
~$5,699/yr
The seller likely pays less due to the homestead cap. At a $499,900 purchase, expect your first full-year Duval bill near $5,699 before exemptions.
CDD assessment
~$2,200/yr
A Community Development District bond funds roads & amenities; it appears on your tax bill and is not optional.
Insurance
~$1,575/yr
Estimate for a 2026 build in Duval. Newer construction and wind-mitigation features lower premiums. Flood not mandated (Zone X).
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~20 ft
Approximate parcel elevation from USGS. Run --online for a live reading.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Market data · public records
Recent sales activity in Etown
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Etown neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Median sale price (set)
$499,850
Median closed price of the comparable set. Reference only.
Median $/sq ft (set)
$214
Median $/sq ft of the comparable set. Reference only.
This home $/sq ft
$217
List price divided by living area. Provided as data, not a value judgment.
Go deeper on Etown
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
How this home's list $/sq ft compares with recent nearby closed sales, and how prices in the community have moved. Public-record reference only — not an appraisal or a statement of value.
This home's $/sq ft vs. nearby sales
Recent sold prices in this community
The Messtimate™
The Messtimate: $485,300 – $499,100
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. That’s the whole point: look how wide it is.
$485,300the mess$499,100
A 3% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen, new roof, or dated interior can swing value six figures. Sq ft can't see it.
The lot — a premium waterfront, conservation, or cul-de-sac lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or one distressed sale in the comps drags the whole $/sq ft up or down.
Layout & beds/baths — two homes at 2,000 sq ft with 3/2 vs. 4/3 don't sell for the same number.
Views & orientation — golf, water, or preserve views aren't in the square footage.
Upgrades & systems — solar, pool, impact windows, new HVAC: real money, invisible to a calculator.
Unpermitted or mismeasured sq ft — public records are often wrong, and unpermitted additions don't count.
Carrying costs — CDD bonds, HOA dues, and flood-zone insurance change what a buyer will actually pay.
Timing & concessions — the market moves monthly, and seller-paid rate buydowns hide the true price.
School zoning & micro-location — one street over can mean a different school, and a different price.
And here's what the live market is doing — which the number above ignores entirely:
This home: 159 days on market vs. a ~138-day neighborhood median
1 active listing competing in Etown
4 under contract now
80% of for-sale inventory is already under contract (demand signal)
pending-to-active ratio 4.0 (higher = faster-selling demand)
≈0.2 months of supply (under ~4 favors sellers, over ~6 favors buyers)
1 new-construction home competing
63 closed here in the last 12 months
For reference, this home is listed at $499,900 ($217/sq ft) — a number set with analysis a Messtimate can't do.
Want a number you can actually price or offer on? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 2,300 sq ft × $211–$217/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 1, 2026.
In the area
Recent eTown news
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Mar 2026 · Development
Corner Lot and Corral Ventures to build new medical offices at The Exchange at eTown
The PARC Group announced that Jacksonville developers Corner Lot and Corral Ventures will open new medical office space at 11251 Network Drive on the northwest side of The Exchange at eTown, adjacent to the David Weekley Homes corporate office. The project adds to a growing healthcare cluster taking shape in the community's town center.
Why it matters: A deepening medical office presence inside the town center could broaden eTown's daytime employment base and may add convenience that historically supports demand in surrounding neighborhoods.
City approves $10 million Baptist Primary Care medical building at eTown
Jacksonville approved permits for a new Baptist Primary Care medical office building of roughly 13,050 square feet at 11035 Meeting Street, with a budget near $10 million and Crabtree Construction as contractor. The approval follows Baptist Health's earlier purchase of land in The Exchange at eTown for future healthcare needs.
Why it matters: Institutional healthcare investment of this scale tends to signal long-term confidence in a corridor's growth trajectory, and on-site primary care may strengthen the community's amenity package for buyers.
Vicar's Landing plans resort-inspired senior living community at Exchange West
The PARC Group announced plans for a new age-restricted, resort-inspired community on the western side of The Exchange, developed by Vicar's Landing. The project would bring a continuing-care style residential option to the Exchange West district near the eTown Parkway and 9B interchange.
Why it matters: Adding an age-restricted option inside the master plan could widen the buyer funnel and may give existing residents a local downsizing path, which historically supports move-up turnover within a community.
Mechanism Coffee Roasters to open second location at The Exchange at eTown
The PARC Group announced that Jacksonville-based Mechanism Coffee Roasters will open its second cafe in The Exchange at eTown. The addition continues the build-out of the community's retail hub, which is anchored by Publix and already includes banking, dining, and service tenants.
Why it matters: Locally grown food and beverage operators choosing a town center is often a sign of healthy daytime traffic, and walkable cafe options may modestly reinforce the community's lifestyle appeal.
Schools currently assigned to this address in Duval County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Mandarin Oaks Elementary SchoolPublic K-5 · Duval County School District
Twin Lakes Academy Middle SchoolPublic 6-8 · Duval County School District
Atlantic Coast High SchoolPublic 9-12 · Duval County School District
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold May 2026
$500,000
10227 MINERAL Road, Jacksonville
4 / 3 bd/ba · 2,300 sq ft · $217/sq ft
Courtesy of WEEKLEY HOMES REALTY · View details →
Sold Jun 2026
$497,500
10171 ELEMENT Road, Jacksonville
3 / 3 bd/ba · 2,331 sq ft · $213/sq ft
Courtesy of WEEKLEY HOMES REALTY · View details →
Sold May 2026
$500,510
10225 MINERAL Road, Jacksonville
3 / 3 bd/ba · 2,331 sq ft · $215/sq ft
Courtesy of WEEKLEY HOMES REALTY · View details →
Sold Apr 2026
$509,000
10219 MINERAL Road, Jacksonville
4 / 3 bd/ba · 2,352 sq ft · $216/sq ft
Courtesy of WEEKLEY HOMES REALTY · View details →
Sold Apr 2026
$499,700
10155 ELEMENT Road, Jacksonville
3 / 2.5 bd/ba · 2,367 sq ft · $211/sq ft
Courtesy of WEEKLEY HOMES REALTY · View details →
Sold Apr 2026
$455,000
10165 ELEMENT Road, Jacksonville
3 / 2.5 bd/ba · 2,154 sq ft · $211/sq ft
Courtesy of WEEKLEY HOMES REALTY · View details →
Median of the set: $214/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
The full spec sheet
Property details & features
Interior
Bedrooms3
Bathrooms3
Living area2,300 sq ft
Exterior & lot
Lot sizeSee record
TypeTownhouse
Systems
Year built2026
Age0 yrs
Listing
MLS #2125845
StatusPending
Days on market159
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Transparency
Price & listing history
Listed for $499,900Momentum Realty · on market 159 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
Answered before you ask
Frequently asked questions
What is a CDD fee?
A Community Development District fee funds a community's roads, amenities, and infrastructure through a bond and appears on the annual tax bill. Amounts vary by parcel; confirm the exact figure for this property with the county.
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Are short-term rentals allowed?
Many communities restrict short-term rentals, and city/county rules also apply. Confirm the current HOA/CDD rules and local ordinances directly before assuming any rental use.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 10173 ELEMENT Road in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Momentum Realty · licensed in FL & GA
Listing agent
Listed by
WEEKLEY HOMES REALTY
Listing courtesy of WEEKLEY HOMES REALTY. Information provided via the NEFMLS Internet Data Exchange and deemed reliable but not guaranteed. To tour this home, a licensed Momentum Realty agent can represent you as a buyer.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
