Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville — a home near Sandalwood High School.

No photos available

This listing has no photos yet

No photos available

This listing has no photos yet

Sold

Sold·Closed Jan 13, 2026·91 days on market·Recent sales in New Construction — Jacksonville

12494 Sun Palm Drive

Jacksonville, FL 32225

$480,000sold priceListed at $499,500 · 96.1% of asking$224/sqftMLS# 2111664

Beds

Baths

2,144

Sq Ft

2000

Built

Garage

Pool

HOA $18/moSingle Family Residence1 story

About this home

Jacksonville

Beautifully updated 3BR/2BA single-family home in the sought-after Gately Oaks neighborhood of Jacksonville. This spacious single-story home features an open-concept living and dining area with updated flooring, a modern kitchen with contemporary finishes, and renovated bathrooms with updated hardware. Enjoy outdoor living in the screened-in patio overlooking a large backyard with a storage shed. Attached garage provides additional storage and convenience. Ideally located just minutes from Naval Station Mayport, shopping, dining, and area beaches. Move-in ready with all the updates you're looking for!

Next steps in New Construction — Jacksonville

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$2,659

Property taxesest. at asking price, Duval County$784

HOAbilled annually$18

Estimated total, before insurance$3,461/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

Home Price

$480,000

Down Payment: 20%

$96,000

Interest Rate: 7.40%

Loan Term

Monthly Payment

$2,659

Principal & Interest: $2,659

Property taxes (est.): $784

Insurance (est.): $320

Estimated Total Monthly

$3,762

*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 2000)

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

Solar potential: ~1,628 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.

Sun & Light

South-facing backyard — the year-round light lot

The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:25 AM, sunset 7:00 PM.

The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

Oct 2, 2025Listed$499,500

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

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 $245/sq ft; this home is listed at $233/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
12513 Gately Oaks Lane E, Jacksonville, FL 32225Listed by ERA ONETEAM REALTY	Aug 2026	$535,000	$220	4/2	2,431	28	0.1
1313 Chinook Trail, Jacksonville, FL 32225Listed by EXIT 1 STOP REALTY	Sep 2026	$415,000	$276	3/2	1,503	57	0.4
13141 Ebbtide Court, Jacksonville, FL 32225Listed by COLDWELL BANKER VANGUARD REALTY	Aug 2026	$450,000	$245	3/2	1,833	18	0.4
12424 Tierra Chase Way, Jacksonville, FL 32225Listed by REDFIN CORPORATION	Aug 2026	$595,000	$223	4/3	2,665	38	0.6
1716 Chandelier Circle W, Jacksonville, FL 32225Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE	Aug 2026	$428,000	$238	4/2	1,800	34	0.9
1556 Harrington Park Drive, Jacksonville, FL 32225Listed by ONE SOTHEBY'S INTERNATIONAL REALTY	Aug 2026	$815,000	$313	3/3	2,608	7	0.9

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$499,500

Price / Sq Ft$233

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,144

Year Built2000

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusClosed

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesNorth

School Information

ElementarySabal Palm

MiddleLandmark

HighSandalwood

Community Information

Address12494 Sun Palm Drive, Jacksonville, FL 32225

Area043-Intracoastal West-North Of Atlantic Blvd

SubdivisionGately Oaks

CityJacksonville

CountyDuval

StateFL

Zip Code32225

Parcel Number1621918805

Amenities

Community FeaturesSidewalks, Street Lights

UtilitiesCable Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air

FlooringVinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup

SecuritySmoke Detector(s)

Exterior

Lot DescriptionFew Trees

Patio / PorchPatio, Screened

FencingBack Yard, Wood

RoofShingle

ConstructionBrick

Other StructuresShed(s)

Road SurfaceAsphalt

Additional Information

Date ListedOctober 3, 2025

Days on Market91

HOA Fees$219 / Annually

HOA FrequencyAnnually

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: THE LEGENDS OF REAL ESTATE

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.

Keep looking

More homes in Gately Oaks