This home is in Jacksonville — a waterfront home in Jacksonville.
Active·403 days on market
12601 Lake Madison Lane
Jacksonville, FL 32218
About this home
Jacksonville
This beautiful home, built by Richmond American Homes in 2022, features an open layout with luxury vinyl plank flooring throughout the main living areas. The spacious kitchen boasts large quartz countertops and seamlessly connects to the dining room and great room. Enjoy the Florida room with panoramic windows, offering relaxing views of the lake. The home feels grand and spacious with 9-foot ceilings and 8-foot doors. For independent living, the in-law quarters include a bedroom, full bathroom, and sitting area. The primary bedroom offers two separate walk-in closets, a double vanity, and a walk-in shower. A three-car attached garage provides ample storage space. The HOA fee is low at $365/year, and there are no CDD fees. Since the home was built to the latest building and safety codes, homeowner's insurance will be less expensive compared to older homes. For your convenience, the washer and dryer can stay with the home.
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
Last sold: $374,600 in March 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $330,521 | $229,499 | — |
| 2024 | $331,119 | $173,445 | — |
| 2023 | $313,475 | $166,937 | — |
| 2022 | $55,000 | $55,000 | — |
2024 property taxes (current owner): $3,469/yr
Estimated taxes if purchased at asking price: ~$7,400/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 D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — year not disclosed (home built 2022)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,729 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 homeAs 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
Price & status history
- Aug 24, 2026Price change$379,000−$10,000
- Aug 7, 2025Listed$389,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: LISA DUKE REALTY LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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