This home is in Jacksonville — a waterfront home in Jacksonville.
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Sold·Closed Aug 28, 2025·314 days on market·Recent sales in Jacksonville
12147 Captiva Bluff Road
Jacksonville, FL 32226
About this home
Jacksonville
Floating Dock with electric and water, on Caney Branch Creek where you can catch reds, trout, flounder and bass, tidal access, navigable to the St Johns River. plenty of storage in the 3 car garage and a utility shed, large front porch perfect for those southern rocking chairs, 3 bedrooms plus an office, 2 baths. Current owner invested in low maintenance backyard landscaping, arbor and outdoor shower. Take the wooded pathway down to the creek. Or just relax on the screen patio, a perfect space for your indoor animals to enjoy the outdoors. Spacious kitchen, pull out drawers in every cabinet as well as the large pantry. The kitchen is open to the family room which has a fireplace and overlooks the backyard and woodscape. The large tree in the front yard is an olive tree! Walking distance to the community playground. Quick access to the new Publix, Zaxbys and RiverCity Marketplace, I-295, Amazon Warehouse, UF North and the new VA Clinic all within minutes!
Next steps in Jacksonville
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 2004)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,582 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $310,527 | $160,090 | — |
| 2024 | $311,458 | $154,730 | ▲ $9,959 |
| 2023 | $308,754 | $148,622 | — |
| 2022 | $295,763 | $147,192 | — |
| 2021 | $226,376 | $141,434 | — |
| 2020 | $219,918 | $138,785 | — |
2023 property taxes (current owner): $3,023/yr
Estimated taxes if purchased at asking price: ~$9,600/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.
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 $169/sq ft; this home is listed at $225/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2655 Kaylor Lane, Jacksonville, FL 32218Listed by RPB REALTY,INC | Sep 2026 | $339,900 | $193 | 4/2 | 1,759 | 88 | 0.2 |
| 2611 Water Bluff Drive, Jacksonville, FL 32218Listed by LISA DUKE REALTY LLC | Sep 2026 | $392,900 | $169 | 3/2 | 2,318 | 103 | 0.3 |
| 2233 Lincoln Sendero Trail, Jacksonville, FL 32218Listed by PROPERTY SAGE REALTY LLC | Oct 2026 | $329,000 | $176 | 4/2 | 1,874 | 140 | 0.7 |
| 12384 Cherry Bluff Drive, Jacksonville, FL 32218Listed by RE/MAX SPECIALISTS | Sep 2026 | $361,000 | $164 | 4/3 | 2,201 | 80 | 0.7 |
| 12307 Cherry Bluff Drive, Jacksonville, FL 32218Listed by DJ & LINDSEY REAL ESTATE | Aug 2026 | $346,000 | $151 | 4/3 | 2,290 | 126 | 0.7 |
| 12316 Hickory Forest Road, Jacksonville, FL 32226Listed by 1 PERCENT LISTS FIRST COAST | Oct 2026 | $285,000 | $152 | 3/2 | 1,874 | 16 | 0.8 |
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: LISA DUKE REALTY 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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 28, 2025. 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