10399 PAVNES CREEK DRIVE, JACKSONVILLE, FL, 32223
Active19 days on marketListed Oct 18, 2026MLS #FC322187
About this home
10399 PAVNES CREEK DRIVE
Your Private Backyard Oasis Awaits! Discover the perfect blend of comfort, privacy, and lifestyle. Situated on a dead-end street in an established community overlooking a peaceful, wooded area for added privacy and a relaxing natural backdrop. The fully fenced backyard is an outdoor retreat, complete with a private heather/cooled swimming pool and paver deck—perfect for entertaining, weekend gatherings, or enjoying sunny Florida days. The open floor plan offers quartz countertops, tile flooring, stainless steel appliances, 42" cabinets, ceiling fans and tankless water heather for efficiency and practicality. Recent updates include new carpet, fresh interior paint, a freshly painted front door, and a leaf gutter system for added curb appeal and convenience. The flexible layout has the potential to convert it to a 4bed floor plan, providing added value, versatility for a growing household, guests, or home office. Enjoy community amenities including swimming pools, a fitness center, and a playground. Conveniently located near shopping, restaurants, major highways, and NAS JAX it an attractive option for military personnel and commuters alike. This home combines everyday convenience with desirable outdoor living. Whether you're a first-time buyer, looking for room to grow, or searching for a home with a private pool and wooded views, this property offers comfort, privacy, and exciting possibilities.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,737
Sqft
0.24 ac
Lot size
2019
Year built
One
Levels
$207
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,223 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,223/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−9.5%
$/sqft vs Jacksonville actives
$207 vs $171
Days on market
19 vs 39 typical
Where $207/sqft sits among the 158 Jacksonville actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Chimney Lakes
Get to know Jacksonville. See the full Jacksonville guide →
Chimney Lakes — neighborhood snapshot
Population
22,293
Median age
36
Median income
$93,803
Median home value
$252,202
Avg household
3
Households w/ children
2,798
For the school run
Duval County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Jacksonville market
$310K → $336K
Jacksonville median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
80 of 158
Jacksonville actives have cut their price
Median sold price, Jacksonville, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2% above the JACKSONVILLE 32223 median. See the full Jacksonville market guide →
Paper trail
This home's history
Reality check
What actually sold near 10399 PAVNES CREEK DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$349,900
10524 INNISBROOK DRIVE
3 bd · 2 ba · 1,619 sqft · $216/sqft · 115 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 10399 PAVNES CREEK DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10399 PAVNES CREEK DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10399 PAVNES CREEK DRIVE FAQs
What would the monthly payment be for 10399 PAVNES CREEK DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,223/mo — principal and interest, the actual property-tax bill, the $88/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 10399 PAVNES CREEK DRIVE?+
The association fee works out to $88 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10399 PAVNES CREEK DRIVE?+
The most recent tax bill on record (2025) was $4,129. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 10399 PAVNES CREEK DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Jacksonville?+
At $360,000, this home is listed about 24% above the Jacksonville median of $289,990. The market section on this page shows how the area is trending.
Which schools are assigned to 10399 PAVNES CREEK DRIVE?+
Chimney Lakes Elementary School (elementary), Westside High School (high), Westside Middle School (middle) — Duval County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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