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This home is in Wells Creek, Jacksonville.

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Active·386 days on market·Wells Creek

11924 Calvesta Street

Jacksonville, FL 32256

$315,000$214/sqftEst. $1,606/moMLS# 2098265

Beds

Baths

1,472

Sq Ft

2023

Built

Garage

Pool

About this home

Wells Creek

Recently refreshed with interior paint, this 1,472 sq ft townhome offers a well-designed layout with modern finishes and comfortable living spaces throughout. The main level features a bright kitchen with quartz countertops, a large island for prep or casual dining, and 42-inch cabinets for ample storage. The open-concept design makes everyday living and entertaining easy The spacious primary suite includes a tray ceiling, walk-in closet, double-sink vanity, and large shower. Upstairs, two additional bedrooms and a full bath provide flexible space for guests, a home office, or family needs. Conveniently located near community amenities and major thoroughfares, this low-maintenance home is ideal for buyers seeking style, functionality, and move-in-ready convenience.

Cost to own

Mortgage calculator

Home Price

$315,000

Down Payment: 20%

$63,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,606

Principal & Interest: $1,606

Property taxes (est.): $514

Insurance (est.): $210

Estimated Total Monthly

$2,330

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,606

Property taxesest. at asking price, Duval County$514

HOAbilled quarterly$195

Estimated total, before insurance$2,315/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$5,228/yr · $436/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Last sold: $320,000 in May 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$287,020	$287,020	—
2024	$282,515	$282,515	—
2023	$50,000	$50,000	—
2022	$50,000	$50,000	—

2024 property taxes (current owner): $5,228/yr

Estimated taxes if purchased at asking price: ~$6,200/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 X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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

Hurricane evacuation zone E

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

Roof: material not specified — year not disclosed (home built 2023)

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

Solar potential: ~1,742 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 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