Santa Rosa at The Landings: 4-Bed Tour in Jacksonville

The Santa Rosa at The Landings is a brand-new 4 bedroom, 3 bathroom home by Century Communities here in Jacksonville, FL. It’s priced around $385,000 with monthly payments starting near $2,700 all-in on a VA loan. Let me break this one down so you can see if it actually fits what you’re looking for.

This is the kind of home a lot of my Jacksonville buyers are asking about right now. New construction, under $400K, and finished enough to move into within a couple of months. Trust me, those three boxes are getting harder to check at the same time, and Century Communities is one of the builders actually delivering it.

A Quick Look at What You’re Getting

Before we walk through the rooms, here’s the snapshot:

• Floor Plan: Santa Rosa by Century Communities
• Community: The Landings, Jacksonville, FL
• Size: 4 bedrooms, 3 full bathrooms, 2,395 square feet
• Garage: Two-car attached
• Standout Feature: Downstairs in-law suite with its own full bathroom
• Outdoor: Covered patio and fenced backyard
• Upstairs: Loft, dedicated laundry room, owner’s suite with walk-in shower and oversized closet
• Move-In: Ready in about 2 months
• Builder Promo Rate: 4.9%

That last line is a big deal right now. With Florida rates hovering above 6% on most loan products, a builder buydown to 4.9% is real money saved every single month for the life of the loan.

Walking In: The Downstairs

The first thing you’ll notice when you step through the front door is how open the main floor feels. Century Communities designed Santa Rosa with a clear sightline from the entryway through the great room and out to the covered patio. Natural light pours in. For a 2,395 square foot home, it lives bigger than it sounds on paper.

Right off the entry, you’ve got a full bathroom and the in-law suite. Now, this is one of the features I want you to pay attention to, especially if you’re shopping for multi-generational living, hosting deployed family members, or wanting a real guest suite. The room is full-sized, the bathroom is full, and the door closes off the rest of the house. Parents, in-laws, college-age kids, anybody who needs their own space gets it without sacrificing the rest of the home’s flow.

Past that, you walk into the open living, dining, and kitchen layout. The kitchen has a center island, a walk-in pantry, and the kind of counter space that actually works when you’re cooking for a family or hosting friends. The fridge, range, dishwasher, and microwave are all included as standard. Slide the back door open and you’re on a covered patio overlooking a fenced backyard, ready for kids, dogs, or a grill setup.

There’s also a coat closet and direct access to the two-car garage off the main floor. Small detail, but it matters when you’re hauling groceries in from the car in July.

Heading Upstairs

Up the stairs, the home opens up again into a loft area. This is one of the most flexible spaces in the floor plan. I’ve had clients turn lofts like this into a media room, a kids’ play area, a home office, or even a workout corner. It’s bonus square footage that the builder gives you without forcing it into a specific use.

The two secondary bedrooms share a full bathroom up here, both with good closet space and natural light. The dedicated laundry room is upstairs too, which is a layout choice I really like, right? Most of the laundry generated by a family of four happens in the bedrooms. Putting the washer and dryer on the same level keeps you from hauling baskets up and down the stairs every weekend.

The Owner’s Suite: Where Santa Rosa Earns Its Price Tag

Now, the owner’s suite. Let me tell you, this is where this floor plan really separates itself from a lot of new construction at this price point in Jacksonville. The bedroom itself is generous. The walk-in shower is large with a clean tile finish. And the owner’s closet is one of the biggest I’ve seen in a home under $400K in this market.

For families who have been renting and finally moving into a home of their own, that closet alone tends to be the moment they stop second-guessing the decision.

Where The Landings at Pecan Park Sits in Jacksonville

The home is part of The Landings at Pecan Park, a Century Communities master-planned community of more than 330 homesites on Jacksonville’s Northside. The sales center is at 14608 Macadamia Lane in the 32218 zip code, just off Pecan Park Road and one I-95 exit north of Jacksonville International Airport.

What does that mean for you? You’re sitting in one of the fastest-growing zip codes in Jacksonville, with the entire River City Marketplace shopping corridor, UF Health North, and the airport all within roughly 5 minutes of your driveway. News4Jax called this stretch of the Northside “the new Southside” earlier this year because of how quickly it’s filling in with new housing, restaurants, and infrastructure.

The community itself includes four product lines:

• Palm Series (single-family, including the Santa Rosa)
• Magnolia Series (larger single-family floor plans like the Cumberland)
• Dogwood Series (paired homes)
• Pine Series (townhomes starting around the mid $240Ks)

Pricing across the community runs from about $244,990 for a townhome up to roughly $400,000 for the larger single-family plans. The HOA on the Palm Series single-family homes runs about $687 a year (around $57 a month), which is on the lower end for new construction in this market. Townhomes and paired homes run higher because they include exterior maintenance.

Community amenities include a walking trail, a dog park, and a community playground. It’s not a resort-style community with a clubhouse and pool, so factor that in if amenity-heavy living matters to you. Trust me, I’ll tell you straight when a community doesn’t fit what a client is looking for.

What’s Around You: Shopping, Dining, and the Day-to-Day

Five minutes east of The Landings sits River City Marketplace, the largest open-air shopping center on the Northside with more than 80 retailers. That’s where most of the everyday errands happen:

• Groceries: ALDI on Max Leggett Parkway is the closest cheap weekly run. Publix at Duval Station Marketplace (about 10 minutes) is the closest full-service Publix. BJ’s Wholesale Club is right at River City Marketplace if you’re a club shopper.
• Big-box retail: Walmart Supercenter, Lowe’s, Best Buy, and Regal Cinemas all anchor River City Marketplace.
• Sit-down dining: Cracker Barrel, Texas Roadhouse, LongHorn Steakhouse, BJ’s Restaurant & Brewhouse, Olive Garden, and Buffalo Wild Wings are all within the marketplace footprint.
• Local favorites: Salsas Cocina Mexicana on City Center Boulevard for weeknight Mexican, The Juicy Crab for a Cajun seafood boil, Green Papaya for pan-Asian, and New Berlin Fish House and Oyster Bar for a real Jacksonville-river seafood spot.
• Coffee: Starbucks is the most convenient option at the marketplace. The Northside is thinner on local coffee roasters than Riverside or San Marco, so know that going in.

For a Costco run or anything Whole Foods or Trader Joe’s related, you’re looking at a 25 to 30 minute drive south to the St. Johns Town Center area. That’s the one real trade-off of living up here.

Schools: The Honest Breakdown

I always tell my clients to look at school zoning before they fall in love with a floor plan, right? Here’s how The Landings at Pecan Park is currently zoned through Duval County Public Schools:

Let me break this down. Oceanway Elementary is a genuine strength of this address. Most Jacksonville Northside elementaries don’t rate that high. The middle school is solid. First Coast High School, on the other hand, is the weak link in this zoning.

What does that mean for you? If your kids are still in elementary or middle school, this address is a strong pick. If you’ve got rising high schoolers, you’ll want to look at Duval County’s magnet program options, school choice transfers, or private alternatives like St. Patrick Catholic School on the Northside before signing. I’m happy to walk through the choice options with families before they tour, no pressure either way.

Recreation, Beaches, and Weekend Life

The Northside has more outdoors close at hand than most people realize when they first move to Jacksonville. From The Landings at Pecan Park, here’s what’s reachable for a weekend day:

• Jacksonville Zoo and Gardens: About 15 minutes south. 370+ acres, a major draw for families with young kids.
• Huguenot Memorial Park: Roughly 20 minutes east on Heckscher Drive. One of the few beaches in Florida where you can drive on the sand. Boat ramp, fishing, primitive camping.
• Big Talbot and Little Talbot Island State Parks: 20 to 25 minutes northeast. Hiking, kayaking, undeveloped beaches.
• Atlantic Beach and Jacksonville Beach: 23 to 25 minutes east via Heckscher and the Wonderwood Connector.
• Fernandina Beach / Amelia Island: About 25 minutes north for a slower-paced beach day.
• Catty Shack Ranch Wildlife Sanctuary: A close-in Northside hidden gem for animal lovers.
• Brentwood Golf Course: About 20 minutes south, home of First Tee of Jacksonville for kids’ golf programs.

For mid-week recreation, the Adventure Landing and St. Johns Town Center entertainment cluster sits about 30 minutes south on JTB if you want movie theaters, mini golf, and bigger malls under one roof.

Commute Reality Check

This is where I want to be straight with my military and commuting buyers, because the Northside trade-off is real. Here’s what your driving life looks like from the front door of The Landings at Pecan Park:

If you work at the airport, JIA logistics, the FedEx hub, UF Health North, or anywhere along the I-95 North corridor, this location is genuinely hard to beat. If your duty station is NAS Jax or Mayport, you’re trading a longer base commute for a newer home, a stronger elementary school, and a lower price per square foot than you’d get on the Westside or in the Beaches communities. Some military families take that trade gladly. Others would rather live closer to base. There’s no wrong answer, only the one that fits your family.

For my fellow veterans, the closest VA clinic is Jefferson Street downtown, about 14 to 18 minutes south on I-95. Naval Hospital Jacksonville on NAS Jax base is reachable in that same 35 to 45 minute commute window.

Want to see the Santa Rosa in person? I’ll set up a private walkthrough with the Century Communities sales team, drive the surrounding neighborhoods with you, and run your specific monthly numbers with my VA-savvy lender. No pressure, no pushy sales pitch.

Schedule a Tour with Keneshia

What This Home Actually Costs You Each Month

This is the part most online listings skip, right? They show you the sticker price and leave you guessing. Let me run the actual monthly math at $385,000 with the builder’s 4.9% promotional rate. These are estimates, your real numbers depend on your credit, your specific lender, and any builder incentives in play the day you write the offer.

The VA loan number breaks down roughly like this: about $2,080 in principal and interest, around $490 in property taxes, and another $157 or so for insurance and HOA. No private mortgage insurance, no down payment, no funding fee if you’ve got a service-connected disability rating.

For my fellow veterans, this is exactly the scenario your VA home loan benefit was built for. Brand new home, zero out of pocket on the down payment, and a builder absorbing part of the rate cost on the front end. If you’re PCSing to NAS Jacksonville or Mayport, this kind of math is worth a phone call before you sign another year-long rental.

For first-time buyers using FHA, the 3.5% down keeps your cash to close manageable, and the conventional path with 5% down lands you in the same payment ballpark with no funding fee but with PMI added in until you hit 20% equity.

Property Taxes and Insurance: A Quick Reality Check

Duval County’s effective property tax rate runs about 1.14% of assessed value, which is what’s already baked into the $490-a-month tax estimate above. As a primary residence, you’ll qualify for Florida’s homestead exemption (set at $51,411 for 2026), which knocks your taxable value down meaningfully.

Homeowners insurance on a brand-new home in 32218 typically lands somewhere around $2,400 to $3,800 a year, depending on the carrier and your wind-mitigation credits. New construction with current Florida building code, hurricane straps, and impact-rated features almost always gets the best wind-mitigation discounts available, which is a real cost advantage over older Jacksonville homes.

One more thing, and I tell every buyer this: pull the FEMA flood map for the specific address before you sign. The Landings at Pecan Park sits inland on the Northside, not on the river, but flood zones in Florida are address-specific. I help clients pull this on every offer.

Why Santa Rosa Makes Sense for the Current Jacksonville Market

Jacksonville is sitting in a buyer-friendly stretch right now. We’ve got over 6 months of inventory, homes are taking 60 to 80+ days to sell on average, and sellers are accepting close to 97% of list price. That gives buyers real negotiating room for the first time in years.

Here’s what that means for new construction at The Landings specifically:

1. Builders are competing for buyers. That’s why Century Communities is offering 4.9% rate buydowns, closing cost contributions, and other incentives. A year ago, this kind of deal didn’t exist.
2. You’re locked in at today’s price, not tomorrow’s. When inventory tightens back up, prices climb. Move-in-ready homes at $385K with these features won’t be sitting around forever.
3. The builder warranty is still your best safety net. Brand new homes carry a structural warranty plus appliance and systems coverage, which keeps your first-year costs predictable.

If you’re stuck on the fence between renting another year and buying, run your BAH or your current rent against that $2,700 VA payment. A lot of my military and first-time buyer clients are realizing they’re already paying the equivalent of a mortgage, just to a landlord instead of into their own equity.

Ready to Walk Through It in Person?

The Santa Rosa floor plan I showed you in the video is moving fast, and the builder’s incentives can shift week to week. If you want to see it in person, get your specific monthly payment numbers run, or compare it against other Century Communities homes nearby, give me a call.

I’m Keneshia Haye, your Jacksonville Dream Home specialist, U.S. Army Veteran, and Broker/Owner of Florida Gateway Realty. I’ll walk the home with you, advocate for you with the builder, and coordinate with your lender so the process actually moves.

Contact Keneshia Today or call (254) 449-5299.

Keneshia Haye is a U.S. Army Veteran, MBA, and Broker/Owner of Florida Gateway Realty in Jacksonville, FL. She specializes in helping first-time buyers, military families, and Jacksonville homeowners across Duval, Clay, Nassau, and St. Johns counties. Reach her at (254) 449-5299 or keneshia@fgragent.com.