Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$440,000

11189 SADDLE CLUB Drive, Jacksonville, FL 32219, Jacksonville, FL 32219

Jacksonville Ranch Club 2

Price
$440,000
Beds / Baths
4 / 3
Living area
2,541 sqft
Year built
2010
Type
Residential
Lot
1.01 ac
Garage
2
HOA
$73/mo
CDD
No
Flood zone
Unknown
County
Duval
Days on market
43

$173/sqft asking, vs a $162/sqft median across 1,010 closed sales in 32219 over the last 12 months — 7% above the area's closed prices. Condition and lot vary; that's what a showing is for.

Welcome to this beautiful home located on one acre in the Jacksonville Ranch Club! This gated community is known for its spacious homesites, peaceful country atmosphere and outstanding amenities. Enjoy access to a community playground, dock, pavilion, and a beautifully landscaped gated entrance, just minutes from Jacksonville International Airport, River City Marketplace. Designed for both everyday living and entertaining, this spacious home features an open floor plan with 4 bedrooms & 3 full baths, including a convenient Jack-and-Jill bath for the secondary bedrooms. The inviting family room has a beautiful fireplace and flows seamlessly into the open kitchen, complete with a large center island and expansive double windows above the sink. The home also includes a formal dining room and a versatile front room that can serve as a home office, formal living room, or flex space. The spacious owner's suite offers a tray ceilings and a custom barn door leading to the private bath. The guest suite features a built-in Murphy bed and cabinetry, making it ideal for visitors or a multi-purpose room. Enjoy the outdoors from both the welcoming front porch and the covered back porch, each overlooking the large yard. Additional highlights include a side-entry garage, an extended side driveway with access through the rear gate, and a detached shed that's perfect for a workshop, storage, or hobby space. Experience the perfect combination of country charm and city convenience in this exceptional home.

What to check on this one

  • Verify roof age and get inspection; 16 years old may affect insurance availability.
  • Obtain 4-point inspection report before offer; required by most insurers in Florida.
  • Confirm flood zone with FEMA map; 'unknown' must be resolved for loan/insurance.
  • Request HOA docs: covenants, financials, rental restrictions, special assessments.
  • Verify workshop structure complies with zoning; separate structure may trigger code review.

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$2,283/mo
Property tax (1.1% eff., Duval Co.)$403/mo
Homeowners insurance (est.)$292/mo
HOA$73/mo
All-in monthly (est.)$3,051/mo

Loan $352,000 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of FLORIDA HOMES REALTY & MTG LLC. Data via realMLS (Northeast Florida MLS), updated Aug 14, 2026, 7:45 PM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.