152 days on marketTownhouse▼ Price cut: $20,000 (8/4)
$504,900
4-Bedroom Townhome in Kettering at eTown
10255 MINERAL Road, Jacksonville, FL 32256
Townhouse in Kettering at eTown, Jacksonville · Built 2026
Kettering at eTown · Jacksonville, FL 32256 · Duval
Listing data updated August 10, 2026 · refreshed twice daily
4Bedrooms
3Bathrooms
2,300Sq Ft
2026Year Built
$220Per Sq Ft
2-car garageNew constructionFEMA Zone X4 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
8% below
$/sq ft vs community
$220 here vs $238 median sold (12 mo)
Buyer leverage
Buyer advantage
152 days on market
3.3 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~43 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 9 of 12
Price vs recent sales
Asking $505k tops 9 of the last 12 closed sales; also one of the largest homes here at 2,300 sq ft
Listed at $504,900 — recent neighborhood median sale price ~$430,750 (nearby sales; deemed reliable, not an appraisal)
152 days on market
HOA ~$50/mo (estimate; confirm)
School district: County Duval County Florida Schools Duval County Public SchoolsCommunity built 2020–2026McDonald's · 8 min driveFort Family Park · 9 min driveThe Loft · 10 min drive
Momentum Research · Kettering at eTown
Pricing & the Kettering at eTown market
How this home is priced against recent nearby sales, and where Kettering at eTown has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Kettering at eTown
Each dot is a closed sale since 2025 (54 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Property timeline
This home’s history
2026BuiltPer public record
Jul 2, 2026First trackedObserved at $524,900
Aug 4, 2026Price cut$504,900
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$3,404/mo
Principal & interest $2,558/mo75%
Taxes $480/mo14%
Insurance $132/mo4%
HOA $50/mo1%
CDD $183/mo5%
$3,404/mo at 20% down, 30-yr @ 6.52% · edit any field to update.
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional
59/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area69
This home $220/sq ft vs the community 12-month median $238/sq ft.
Affordability21
List price $504,900 vs the community median $430,750. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~43 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2026 build. Obtain a property-specific quote.
Market liquidity48
Community median 81 days on market, ~3.3 months of supply (12-month record).
Renovation upside30
From a 2026 build and $220/sq ft vs the community median $238/sq ft. Not a condition assessment.
Buyer competition75
25% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power53
Recent sales closed at about 97.5% of original asking (~2.5% below). More room below asking generally favors buyers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 3.3 months of supply in the surrounding market and 152 days on market for this home, against a 81-day area median.Days on market:this home 152Area median: 81 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of August 5, 2026.
🟡 Asking $220 per square foot, about 8% below the community’s $238 median. Kettering at eTown’s 12-month median sold price per square foot is $238. Median sold price per square foot is down 16.6% year over year. Confidence: Very High · 44 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
49% of homes in Kettering at eTown are owner-occupied. An estimated 51% are non-owner-occupied, including 30% held in a company or trust and 28% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 167 homes matched. Community-level context.
Recent Kettering at eTown sales closed near 97.5% of original asking. Cash paid for about 25% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending August 5, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 12 active listings in Kettering at eTown.
Updated August 10, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
''Final opportunities in Kettering at eTown!'' Limited-Time 4.99% Fixed Rate Available! Qualified buyers may receive a 4.99% fixed rate on VA, FHA, or Conventional financing through Grace Home Lending. 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 staircase that sets the tone for this thoughtfully designed home. The kitchen features painted linen cabinetry, brushed nickel hardware, quartz countertops, a stainless vent hood and a natural gas cooktop. The expansive island creates a central gathering space for both everyday meals and entertaining.
Sliding glass doors open to a fenced backyard with preserve views, extending the living space outdoors. A bedroom and full bath on the main level provide flexibility for a guest suite, home office or additional living space. Upstairs, a retreat offers a comfortable place to relax, while a balcony provides elevated views of the surrounding trees and yard.
The Owner's Retreat is privately located and includes a well appointed, spa-inspired Owner's Bath with peaceful views. Residents enjoy access to the Recharge Amenity Center with a pool, fitness center, playground and dog park. This home offers a low maintenance lifestyle with convenient access to nearby shopping, dining and local destinations.
Description provided by WEEKLEY HOMES REALTY and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$504,900
Bed / bath4 / 3
Living area2,300 sq ft
Year built2026
Property typeTownhouse
Garage2-car
MLS #2134408
Listing status152 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~43 ft
Windstorm exposureModerate
CountyDuval
Area listings12 active · 11 under contract
Estimated first-year tax~$5,756/yr
CDD assessment~$2,200/yr
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$220
Estimated monthly payment$3,404
Insurance (illustrative)$1k–$2k/yr
Messtimate range$469,200 – $572,700
Comparable-sales median$430,750
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
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. Even a tight range from comparable sales can’t price a specific home — here’s why.
$469,200the mess$572,700
Actual list price: $504,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 22% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
This home: 152 days on market vs. a 81-day community median
12 active listings competing, 11 under contract
≈3.3 months of supply
44 closed here in the last 12 months
For reference, this home is listed at $504,900 ($220/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? 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 × $204–$249/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated August 10, 2026.
Keep looking
Similar homes for sale near Kettering at eTown
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $504,900Momentum Realty · on market 152 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$5,756/yr
A rough first-year estimate only, applying a typical Duval rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
~$2,200/yr
A Community Development District bond funds roads & amenities; it appears on your tax bill and is not optional.
Insurance (illustrative range)
$1k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
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
~43 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Market data · public records
Recent sales activity in Kettering at 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 Kettering at eTown neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Community median sale price
$430,750
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$238
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Kettering at 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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Development
Culinary Institute of America selects Jacksonville for Southeast campus
News4Jax reported that the Culinary Institute of America chose downtown Jacksonville for its Southeast hub, to be located at 330 E. Bay Street on the Northbank riverfront. The campus would anchor a $160.5 million hotel and convention center development. The city previously approved up to $35 million in incentives, and the Downtown Investment Authority is finalizing agreements on design and property details.
Why it matters: Anchors a major downtown riverfront redevelopment that pairs an educational campus with hotel and convention space, adding institutional and commercial investment to the urban core alongside Riverfront Plaza and Pearl Square. The project is about 12 miles northwest of Kettering At Etown, elsewhere in Duval County.
First Coast Expressway advances as an economic-development corridor across Clay and St. Johns
The First Coast Expressway (State Road 23), a tolled beltway looping around the west and south of the Jacksonville metro, continued to open land for development along its corridor, with the final St. Johns County phase from Interstate 95 to east of County Road 2209 in progress. FDOT held a St. Johns County open house on the final phase in January 2026.
Why it matters: New limited-access highway capacity shortens commutes and opens adjacent land, changes that have historically shaped where new communities and demand concentrate. The site is about 17 miles southwest of Kettering At Etown.
Grocery-anchored retail center proposed in Durbin Park
A grocery-anchored retail center was proposed at Durbin Park, the large mixed-use development near Interstate 95 and County Road 210 in northern St. Johns County, adding to the district's existing stores, restaurants, and Walmart-anchored core.
Why it matters: Added grocery and retail at Durbin Park deepens everyday conveniences in northern St. Johns County, an amenity factor that can support demand for surrounding communities. The site is about 7 miles south of Kettering At Etown.
Southeast Toyota opens $170M vehicle-processing facility at JAXPORT's Blount Island, adding 400-plus jobs
Southeast Toyota Distributors dedicated a new vehicle processing facility at JAXPORT's Blount Island Marine Terminal in April 2026. The company put the investment at $170 million and said the facility created more than 400 full-time jobs, most of them hired locally.
Why it matters: A large new employment center on Blount Island adds sustained local job demand, a factor that has historically supported nearby housing absorption. The project is about 14 miles north of Kettering At Etown, elsewhere in Duval County.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Publix 12 min
Dining
McDonald's 8 min
Shopping
Reedy Branch Commons Shopping Center 12 min
Parks
Fort Family Park 9 min
Assigned schools
Assigned schools
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.
GRADEA
Mandarin OaksAssigned elementary school · Duval County School District · Grade A (Florida DOE 2025-26)
GRADEB
Twin Lakes AcademyAssigned middle school · Duval County School District · Grade B (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
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 Jul 2026
$480,000
9989 ELEMENT Road, Jacksonville
4 / 2.5 bd/ba · 2,352 sq ft · $204/sq ft
Courtesy of VENTURE REALTY CO, LLC · View details →
Sold May 2026
$437,560
10186 ELEMENT Road, Jacksonville
3 / 2.5 bd/ba · 2,147 sq ft · $204/sq ft
Courtesy of WEEKLEY HOMES REALTY · View details →
Sold Jul 2026
$620,000
9809 INVENTION Lane, Jacksonville
4 / 3 bd/ba · 2,488 sq ft · $249/sq ft
Courtesy of HERRON REAL ESTATE LLC · View details →
Sold Jun 2026
$625,000
9832 INVENTION Lane, Jacksonville
4 / 3 bd/ba · 2,514 sq ft · $249/sq ft
Courtesy of LATITUDE 30 REALTY LLC · View details →
Sold May 2026
$430,000
10182 ELEMENT Road, Jacksonville
3 / 2.5 bd/ba · 1,989 sq ft · $216/sq ft
Courtesy of WEEKLEY HOMES REALTY · View details →
Sold Jun 2026
$412,000
10172 ELEMENT Road, Jacksonville
3 / 2.5 bd/ba · 1,926 sq ft · $214/sq ft
Courtesy of WEEKLEY HOMES REALTY · View details →
Community 12-month median: $238/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.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$2,314 – $3,366/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.1%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,161 – −$215At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed twice daily (last: August 10, 2026)
Community market stats
realMLS closed sales, as of August 5, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
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 10255 MINERAL 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.
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.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
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.
