12197 Captiva Bluff Circle W

• • 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).

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.

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.

• Jul 30, 2026Price change$320,000−$10,000
• Jul 8, 2026Price change$330,000−$10,000
• Dec 20, 2025Listed$340,000

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

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  For Sale

  12193 Captiva Bluff Road S

  Jacksonville, FL 32226

  3 bd · 2 ba · 1,637 sq ft

  $347,000Est. $1,847/mo

  This stunning 3-bdrm, 2-bath home features a completely remodeled kitchen w/new cabinetry, & undermount sink, modern…

  Listing Office: watson realty corp

• 

  For Sale

  12282 Captiva Bluff Road

  Jacksonville, FL 32226

  3 bd · 2 ba · 2,348 sq ft

  $587,500Est. $3,127/mo

  Discover a rare blend of luxury, privacy, and nature in this beautifully updated Florida Contemporary home backing to a…

  Listing Office: bear realty, inc.

• 

  For Rent

  Lease

  3037 Captiva Bluff Circle

  Jacksonville, FL 32226

  3 bd · 2 ba · 1,967 sq ft

  $2,200/mo

  This beautiful 3-bedroom, 2-bathroom residence offers the perfect blend of comfort, functionality, and serenity. One of…

  Listing Office: navy to navy homes llc

• 

  For Sale

  101 E 7th Street

  Jacksonville, FL 32206

  4 bd · 3 ba · 1,931 sq ft

  $362,900Est. $1,932/mo

  Listing Office: exit inspired real estate

  in Springfield
• 

  For Sale

  14532 Macadamia Lane

  Jacksonville, FL 32218

  3 bd · 2.5 ba · 1,560 sq ft

  $277,900Est. $1,479/mo

  Listing Office: the legends of real estate

  in Landings at Pecan Park

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