This home is in Wells Creek, Jacksonville.

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Active

Active·215 days on market·Wells Creek

13863 Holsinger Boulevard

Jacksonville, FL 32256

$560,000$208/sqftEst. $2,846/moMLS# 2121831

Beds

Baths

2,696

Sq Ft

2019

Built

Garage

Pool

About this home

Wells Creek

MOTIVATED SELLER - BRING ALL OFFERS! Thoughtfully designed 2-story home offering 2,696 sq ft of flexible living space in near-new condition. Built in 2019 and used as the community model until mid-2024, the home has had minimal occupancy. The main level features a bedroom with adjacent full bath and an open, light-filled living area centered around a beautifully appointed kitchen with quartz countertops, ceramic farmhouse sink, gas range, large island, and walk-in pantry. Luxury vinyl plank flooring enhances the main living spaces. Upstairs, a spacious loft provides ideal media or recreation space, along with generous secondary bedrooms and a primary suite with tray ceiling, dual vanities, and walk-in tiled shower. Recent updates include new appliances and HVAC (2024). Enjoy a covered, screened lanai and backyard with room for outdoor living or a future pool. Located in a no-CDD community with amenities and convenient access to major interstates and downtown.

Cost to own

Mortgage calculator

Home Price

$560,000

Down Payment: 20%

$112,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,846

Principal & Interest: $2,846

Est. Taxes & Insurance: $712

Estimated Total Monthly

$3,558

*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 · 6.55% · 30yr$2,846

Property taxesest. at asking price, Duval County$914

HOAbilled quarterly$83

Estimated total, before insurance$3,844/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

Last sold: $592,400 in July 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$453,305	$402,583	▲ $10,000
2024	$445,140	$420,337	—
2023	$441,332	$382,125	—
2022	$376,336	$347,387	—
2021	$315,807	$315,807	—
2020	$306,594	$306,594	—

2025 property taxes (current owner): $7,689/yr

Estimated taxes if purchased at asking price: ~$11,000/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: material not specified — year not disclosed (home built 2019)

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

Solar potential: ~1,768 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