This home is in Whitmore Oaks, Jacksonville.
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Sold·Closed Oct 25, 2024·102 days on market·Recent sales in Whitmore Oaks·Whitmore Oaks
12398 Whitmore Oaks Drive
Jacksonville, FL 32258
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About this home
Whitmore Oaks
Beautiful pool home conveniently located just minutes from I-95 and I-295 with super easy access into Jacksonville or St. Augustine! With 4 bedrooms, 3 baths and a versatile flex space off the kitchen, this spacious home sits on one of the largest lots in the neighborhood and offers a tranquil, fully-fenced, backyard retreat! Enjoy the sparkling, solar heated pool and expanded covered patio, fire pit and sitting wall with friends and family. This well-cared for home has many upgrades including expanded driveway, recessed lighting, ceiling fans throughout, separate irrigation water meter, and beautiful landscaping. Tile flooring throughout main floor and newly carpeted second level! Ready for you to move in and start enjoying!
Next steps in Whitmore Oaks
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 2014)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,770 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeThis 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.
Cost to own
Taxes & assessment
2023 property taxes (current owner): $4,767/yr
Estimated taxes if purchased at asking price: ~$10,800/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, NEFMLS.
History
Price & status history
- May 31, 2024Listed$540,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $207/sq ft; this home is listed at $219/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 12950 Old St Augustine Road, Jacksonville, FL 32258Listed by JWB REALTY LLC | Aug 2026 | $365,000 | $207 | 4/2 | 1,760 | 145 | 0.1 |
| 12283 Autumnbrook Trail W, Jacksonville, FL 32258Listed by MOMENTUM REALTY | Sep 2026 | $385,000 | $198 | 3/2 | 1,940 | 52 | 0.2 |
| 5333 Liberty Lake Drive S, Jacksonville, FL 32258Listed by ROUND TABLE REALTY | Sep 2026 | $425,000 | $205 | 3/2 | 2,078 | 151 | 0.2 |
| 5472 Running Creek Lane, Jacksonville, FL 32258Listed by BEYCOME OF FLORIDA LLC | Oct 2026 | $380,000 | $196 | 3/2 | 1,940 | 11 | 0.4 |
| 11979 Colby Creek Drive, Jacksonville, FL 32258Listed by UNITED REAL ESTATE GALLERY | Sep 2026 | $412,000 | $226 | 3/2 | 1,822 | 21 | 0.4 |
| 5052 Taylor Creek Drive, Jacksonville, FL 32258Listed by REGNIER REAL ESTATE | Sep 2026 | $589,900 | $277 | 3/2 | 2,128 | 67 | 0.7 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Whitmore Oaks
Whitmore Oaks is a neighborhood in Jacksonville, FL (Duval County), ZIP 32258.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Oct 25, 2024. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines