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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 a waterfront home in Jacksonville.

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Active Under Contract

Active Under Contract·254 days on market

12264 Sacha Road

Jacksonville, FL 32226

$354,000$187/sqftEst. $1,839/moMLS# 2103092
4
Beds
2
Baths
1,895
Sq Ft
2018
Built
2
Garage
No
Pool

About this home

Jacksonville

Welcome to your own slice of Northeast Florida living in Cedarbrook! This move-in ready home offers peaceful pond views, modern updates, and a prime location near River City Marketplace, Jacksonville International Airport, and some of Jacksonville's best outdoor destinations. Inside, you'll find freshly painted interiors and an open layout designed for everyday living and entertaining. The spacious kitchen features quartz countertops, newer appliances, a new garbage disposal, and a stylish coffee/wine bar. The private primary suite overlooks the pond, while three additional bedrooms provide space for guests, a home office, or hobbies. Relax on the screened lanai overlooking the fully fenced backyard and water views. Community playground and open green space are within walking distance. Schedule your private showing today!

Cost to own

Mortgage calculator

$354,000
$70,800
Loan Term
Monthly Payment
$1,839
Principal & Interest: $1,839
Property taxes (est.): $578
Insurance (est.): $236
Estimated Total Monthly
$2,653
*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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 · 6.76% · 30yr$1,839
Property taxesest. at asking price, Duval County$578
HOAbilled annually$32
Estimated total, before insurance$2,449/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.

Cost to own

Taxes & assessment

Last sold: $370,000 in March 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$295,598$0
2024$302,284$0
2023$319,294$0
2022$295,062$295,062 $30,442
2021$222,300$160,436
2020$207,531$157,531

2024 property taxes (current owner): $212/yr

Estimated taxes if purchased at asking price: ~$6,900/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 2018)

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

Solar potential: ~1,771 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

Price & status history

  • Jan 2, 2026Listed$354,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$354,000
Price / Sq Ft$187
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,895
Acres0.22 acres
Year Built2018
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive Under Contract
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

ElementaryNew Berlin

Community Information

Address12264 Sacha Road, Jacksonville, FL 32226
Area096-Ft George/Blount Island/Cedar Point
SubdivisionCedarbrook
CityJacksonville
CountyDuval
StateFL
Zip Code32226
Lot Size9,583.2 sq ft
Parcel Number1066021175
ZoningResidential

Amenities

AmenitiesPlayground
UtilitiesElectricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingGarage
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Patio / PorchPorch, Rear Porch, Screened
FencingFenced, Full
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt

Additional Information

Date ListedJanuary 2, 2026
Days on Market320
HOA Fees$385 / Annually
HOA FrequencyAnnually
Tax Amount$211.8
Tax Year2024
Listing TermsAssumable, Cash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

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.

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