This home is in Wells Creek, Jacksonville.
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Sold·Closed Oct 14, 2025·39 days on market·Recent sales in Wells Creek·Wells Creek
12082 Kearney Street
Jacksonville, FL 32256
31 more homes for sale in Wells Creek →Search Wells Creek on the map
About this home
Wells Creek
This home comes with an assumable FHA mortgage at just 2.5% interest—far below today's market rates. Welcome to Wells Creek! This 3BR, 2BA home offers modern living with an open floor plan, tile floors, and a stylish kitchen featuring stainless steel appliances and a large island—perfect for entertaining. The owner's suite boasts a walk-in closet and dual-sink vanity. Enjoy community amenities including a pavilion, resort-style pool, dog park, playground, and open green spaces—all with no CDD fees! Conveniently located near shopping, dining, and major highways for an easy commute. Move-in ready and waiting for you!
Next steps in Wells Creek
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 (that applies to the reference bill above too).
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 2020)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,767 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
2024 property taxes (current owner): $3,747/yr
Estimated taxes if purchased at asking price: ~$7,300/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 13, 2025Listed$375,000
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 $242/sq ft; this home is listed at $271/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 13157 Cameron Valley Court, Jacksonville, FL 32256Listed by ENDLESS SUMMER REALTY | Sep 2026 | $410,000 | $230 | 3/2 | 1,784 | 11 | 0.7 |
| 12018 Elderbank Drive, Jacksonville, FL 32256Listed by FULL HOUSE REALTY | Jun 2026 | $370,000 | $268 | 3/2 | 1,382 | 44 | 0.7 |
| 12096 Elderbank Drive, Jacksonville, FL 32256Listed by ENDLESS SUMMER REALTY | Jun 2026 | $383,000 | $277 | 3/2 | 1,382 | 2 | 0.7 |
| 14056 Corrine Circle, Jacksonville, FL 32258Listed by KELLER WILLIAMS REALTY AT THE LAKES | May 2026 | $335,000 | $216 | 3/2 | 1,554 | 9 | 1.3 |
| 6242 Dalton Spring Court, Jacksonville, FL 32258Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2026 | $410,000 | $242 | 4/2 | 1,693 | 15 | 1.7 |
| 7725 Bayard Boulevard, Jacksonville, FL 32256Listed by SMILEEHOUSE AUCTION CO LLC | Oct 2025 | $150,000 | $122 | 4/2 | 1,226 | 11 | 1.7 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PUBLIC SERVICES REALTY
Sold by: PUBLIC SERVICES REALTY (buyer's brokerage)
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 Wells Creek
Wells Creek is a neighborhood in Jacksonville, FL (Duval County), ZIP 32256.
View all Wells Creek homes for sale →Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Oct 14, 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
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