FEMA Zone X — flood insurance generally not federally required
Built 2026
$198/sq ft — below the area median of $200
16 days on market
HOA ~$50/mo (estimate; confirm)
Listing facts & disclosures
$369,400
List price
As listed in the MLS
4 / 2
Bed / bath
Per the listing
1,862
Living area
Sq ft (approx.)
$198
Price / sq ft
List ÷ living area
The home
Year built2026
Per public record.
Lot sizeSee record
Approximate; verify with survey.
Property typeSingle Family Residence
Per the listing.
Costs
HOA$50/mo
Disclosure — confirm exact dues and inclusions.
CDD assessmentNone on record
Estimate/disclosure — confirm the parcel's actual CDD with the county.
Est. first-year tax~$4,211/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
The Cali floor plan offers 1,862 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 la...
Description provided by D R HORTON REALTY INC 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
$2,424
Principal & interest$1,927
Property tax$351
Insurance$97
CDD assessment$0
HOA$50
PMI$0
Down payment $73,880 · Loan $295,520. 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
~$4,211/yr
The seller likely pays less due to the homestead cap. At a $369,400 purchase, expect your first full-year Duval bill near $4,211 before exemptions.
CDD assessment
None
No CDD assessment on record for this community.
Insurance
~$1,164/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 The Arbors
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 The Arbors neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Median sale price (set)
$324,942
Median closed price of the comparable set. Reference only.
Median $/sq ft (set)
$200
Median $/sq ft of the comparable set. Reference only.
This home $/sq ft
$198
List price divided by living area. Provided as data, not a value judgment.
Go deeper on The Arbors
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: $310,954 – $394,744
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.
$310,954the mess$394,744
A 27% 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: 16 days on market vs. a ~28-day neighborhood median
27 active listings competing in The Arbors
15 under contract now
36% of for-sale inventory is already under contract (demand signal)
pending-to-active ratio 0.56 (higher = faster-selling demand)
≈2.3 months of supply (under ~4 favors sellers, over ~6 favors buyers)
22 new-construction homes competing
142 closed here in the last 12 months
For reference, this home is listed at $369,400 ($198/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: 1,862 sq ft × $167–$212/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 The Arbors 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
North Jacksonville residents press Council over the pace of residential growth
About 405 single-family homes have been approved across North Jacksonville since January 2025, prompting hours of public testimony at City Council and Land Use and Zoning meetings. Residents and some Council members are debating lot sizes, road capacity and school capacity as previously rural, large-lot areas see denser infill. In January, Council approved $6.96 million for Pecan Park Road and Dunn Avenue improvements to help offset added traffic.
Why it matters: Continued rezoning activity and infrastructure debate on the Northside could influence how quickly road and utility upgrades reach newer subdivisions in the Lem Turner and airport corridor.
Suddath begins clearing a 315-acre Airport Commerce Center near the airport
Jacksonville-based Suddath received city permits in mid-December to start horizontal work on Airport Commerce Center, a three-phase, 315-acre industrial park west of Pecan Park Road just north of Jacksonville International Airport. The park is designed for up to seven buildings, and the first major structure will be a roughly 1 million square foot distribution center. JEA is reviewing utility service for an additional warehouse exceeding 1 million square feet in a later phase.
Why it matters: A large logistics park near the airport corridor may, over time, add area employment that supports demand for nearby entry-level housing.
North Jacksonville cold storage warehouse sells for $192 million
DHL Supply Chain sold its 625,308 square foot refrigerated warehouse at 10030 Eastport Road in North Jacksonville in December 2025 for $192 million to a New York private equity firm. The facility, built in 2025 after a city incentive, includes a large cooler, dry warehouse space and office area, and was agreed to create about 100 full-time jobs. The sale ranks among the largest North Jacksonville industrial transactions of the year.
Why it matters: High-value logistics sales in the Northside submarket signal continued investor interest that historically tends to accompany area job growth.
Dave's Hot Chicken seeks a permit to open in River City Marketplace
A Dave's Hot Chicken franchisee signed a lease and entered city permitting to renovate the closed Pollo Tropical at 730 Skymarks Drive in River City Marketplace. The roughly $950,000 build-out keeps the existing drive-thru and adds indoor and patio seating totaling about 92 seats. The franchisee anticipated opening by early 2026 and hiring 40 to 45 employees.
Why it matters: New dining at River City Marketplace could expand the everyday retail and restaurant draw within a short drive of nearby Northside subdivisions.
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.
Garden City Elementary (Duval)Public K-5 · Duval County School District
Highlands Middle School (Duval)Public 6-8 · Duval County School District
Jean Ribault High School (Duval)Public 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 Jun 2026
$324,490
12462 RUSSIAN OLIVE Road, Jacksonville
4 / 2 bd/ba · 1,609 sq ft · $202/sq ft
Courtesy of D R HORTON REALTY INC · View details →
Sold Jun 2026
$325,395
4130 CAPER TREE Way, Jacksonville
4 / 2 bd/ba · 1,609 sq ft · $202/sq ft
Courtesy of D R HORTON REALTY INC · View details →
Sold May 2026
$320,085
12184 YEW TREE Road, Jacksonville
4 / 2 bd/ba · 1,609 sq ft · $199/sq ft
Courtesy of D R HORTON REALTY INC · View details →
Sold Jun 2026
$375,895
12221 YEW TREE Road, Jacksonville
4 / 2.5 bd/ba · 2,160 sq ft · $174/sq ft
Courtesy of D R HORTON REALTY INC · View details →
Sold Jun 2026
$308,940
12214 YEW TREE Road, Jacksonville
3 / 2 bd/ba · 1,459 sq ft · $212/sq ft
Courtesy of D R HORTON REALTY INC · View details →
Sold May 2026
$393,865
4366 EVENING PRIMROSE Drive, Jacksonville
5 / 3 bd/ba · 2,363 sq ft · $167/sq ft
Courtesy of D R HORTON REALTY INC · View details →
Median of the set: $200/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
Bedrooms4
Bathrooms2
Living area1,862 sq ft
Exterior & lot
Lot sizeSee record
TypeSingle Family Residence
Systems
Year built2026
Age0 yrs
Listing
MLS #2142330
StatusPending
Days on market16
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 $369,400Momentum Realty · on market 16 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
Answered before you ask
Frequently asked questions
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.
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 12455 RUSSIAN OLIVE 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
D R HORTON REALTY INC
Listing courtesy of D R HORTON REALTY INC. 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.
