Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville — a waterfront home in Jacksonville.

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Active Under Contract

Active Under Contract·107 days on market

12520 Yellow Bluff Road

Jacksonville, FL 32226

$1,099,900Est. $5,649/moMLS# 1242663

Beds

Baths

Sq Ft

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Built

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Garage

Pool

About this home

Jacksonville

Tremendous opportunity for commercial retail or office development or possible multi-family. 2.53 acres of land in high growth area. New Publix shopping center, dental office, Gate Convenience Station, Walgreens, & much more new construction going on across the street & next door. Very good visibility on high traffic corridor near intersection of New Berlin Rd & Yellow Bluff Rd. Nice brick home on the property, but value is in the commercial land use possibility. Buyer needs to confirm zoning or PUD changes necessary for desired end use. Buyer needs to verify development details & needs including access, wetlands, geotechnical, environmental, endangered species, & feasibility. Additional 4.63 acres on Yellow Bluff available See MLS 1242671, 1242675 & 1250429

Cost to own

Mortgage calculator

Home Price

$1,099,900

Down Payment: 20%

$219,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$5,649

Principal & Interest: $5,649

Property taxes (est.): $1,796

Insurance (est.): $733

Estimated Total Monthly

$8,178

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.65% · 30yr$5,649

Property taxesest. at asking price, Duval County$1,796

Estimated total, before insurance$7,445/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$341,839	$117,629	—
2024	$328,106	$113,607	▼ $206
2023	$338,852	$108,842	—
2022	$304,492	$104,216	—
2021	$237,188	$99,725	—
2020	$225,616	$97,658	—

Estimated taxes if purchased at asking price: ~$21,600/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: material not specified

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,020 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History