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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville.

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Sold

Sold·Closed Sep 8, 2025·25 days on market·Recent sales in Mandarin

12447 Blackwater Court

Jacksonville, FL 32223

$389,900sold priceListed at $389,900 · 100% of asking$197/sqftMLS# 2099885
3
Beds
2
Baths
1,976
Sq Ft
2006
Built
2
Garage
No
Pool
HOA $39/mo7,405 sqft lotSingle Family Residence1 story

About this home

Jacksonville

LOADS of updates & upgrades in this wide open home. 1 year old roof, Rhinoshield paint, solar panels that are PAID OFF, water softener, TANKLESS GAS water heater, fully fenced yard with paver walkway from front to back with double fence gate. 4 yr old HVAC! This. home has an office w/glass doors, a glass front door, formal dining rm, HUGE kitchen with island, Corian counters, cherry cabinets, dbl ovens, tile backsplash and pull out shelves. The family rm has a stacked stone gas fireplace overlooking the oversized covered patio. The owners suite has a bay window, garden tub & sep shower, and built in organizers in the closet. The laundry room has more cabinets and there are Plantation shutters throughout. Wired for a generator too. This is a GREAT house for the money!!!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,160
Property taxesest. at asking price, Duval County$637
HOAbilled annually$39
Estimated total, before insurance$2,835/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$389,900
$77,980
Loan Term
Monthly Payment
$2,160
Principal & Interest: $2,160
Property taxes (est.): $637
Insurance (est.): $260
Estimated Total Monthly
$3,056
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 2006)

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

Solar potential: ~1,748 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

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$339,530$339,530▲ $19,305
2024$320,999$0—
2023$341,056$0▲ $29,621
2022$301,487$0▲ $20,000
2021$241,321$0—
2020$214,402$0—

2024 property taxes (current owner): $194/yr

Estimated taxes if purchased at asking price: ~$7,600/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 $235/sq ft; this home is listed at $197/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4149 Bridgeville Place, Jacksonville, FL 32223Listed by REAL BROKER LLCSep 2026$535,000$2434/22,1991070.1
12527 Shady Creek Drive, Jacksonville, FL 32223Listed by WATSON REALTY CORPSep 2026$445,000$2503/21,782240.3
12675 Filly Court, Jacksonville, FL 32223Listed by WATSON REALTY CORPSep 2026$455,000$2353/2.51,93810.4
12160 Banyan Tree Drive, Jacksonville, FL 32258Listed by REAL ESTATE SOLUTIONSSep 2026$474,900$2174/32,188630.4
12131 Banyan Tree Drive, Jacksonville, FL 32258Listed by FIRST COAST HEROES REAL ESTATE LLCOct 2026$405,000$2223/21,828120.5
3869 Marnie Place, Jacksonville, FL 32223Listed by INI REALTYOct 2026$490,000$2024/22,431920.9

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

Price$389,900
Price / Sq Ft$197
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,976
Acres0.17 acres
Year Built2006
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address12447 Blackwater Court, Jacksonville, FL 32223
Area014-Mandarin
SubdivisionBlackwater Creek
CityJacksonville
CountyDuval
StateFL
Zip Code32223
Lot Size7,405.2 sq ft
Parcel Number1582416025
ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Primary Bathroom -Tub with Separate Shower, Smart Thermostat
AppliancesDisposal, Double Oven, Electric Range, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringCarpet, Laminate, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1
LevelsOne
SecuritySmoke Detector(s)

Exterior

Patio / PorchCovered, Patio
FencingBack Yard
RoofShingle
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJuly 22, 2025
Days on Market25
HOA Fees$468.67 / Annually
HOA FrequencyAnnually
Tax Amount$193.8
Tax Year2024
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 8, 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.

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20+ years · 500+ closings · NE Florida

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