This home is in Tidewater, Jacksonville.

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Active

Active·321 days on market·Tidewater

12198 Ridge Crossing Way

Jacksonville, FL 32226

$539,000$158/sqftEst. $2,869/moMLS# 2106356

Beds

Baths

3,413

Sq Ft

2015

Built

Garage

Pool

About this home

Tidewater

Exquisite 5-Bedroom Home in Sought-After Tidewater Gated Community. Welcome to your dream home where comfort, style, and convenience meet. This spacious 5-bedroom, 3.5-bathroom residence offers over 3413 square feet of thoughtfully designed living space, perfect for families of all sizes. Step inside and be greeted by a gourmet kitchen that's sure to impress, featuring granite countertops, premium cabinetry, and a layout made for entertaining. The open-concept living and dining areas flow effortlessly into a covered rear lanai, where you can unwind and enjoy the view of your expansive backyard shaded by beautiful mature trees -- a peaceful retreat for relaxing or hosting guests. A private guest suite with en-suite bathroom is conveniently located on the first floor, offering comfort and privacy for visitors or multi-generational living. Seller will pay $10,000 buyers closing cost with acceptable offer prior to 7/20/2026.

Cost to own

Mortgage calculator

Home Price

$539,000

Down Payment: 20%

$107,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,740

Principal & Interest: $2,740

Est. Taxes & Insurance: $685

Estimated Total Monthly

$3,425

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,869

Property taxesest. at asking price, Duval County$880

HOAbilled quarterly$83

Estimated total, before insurance$3,832/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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

Year	Market value	Taxable value	Change
2025	$576,807	$470,847	▲ $38,272
2024	$540,944	$428,043	▲ $36,745
2023	$529,580	$389,130	—
2022	$449,299	$353,755	▲ $66,180
2021	$321,596	$321,596	—
2020	$303,817	$303,817	—

2024 property taxes (current owner): $10,012/yr

Estimated taxes if purchased at asking price: ~$10,600/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.

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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 2015)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,780 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Aug 29, 2025Listed$539,000

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

Features

Price$539,000

Price / Sq Ft$158

Bedrooms5

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,413

Acres0.32 acres

Year Built2015

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address12198 Ridge Crossing Way, Jacksonville, FL 32226

Area096-Ft George/Blount Island/Cedar Point

SubdivisionTidewater

CityJacksonville

CountyDuval

StateFL

Zip Code32226

Lot Size13,939.2 sq ft

Parcel Number1599424095

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Gated, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Electric Range

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryIn Unit, Washer Hookup