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 Johns Creek, Jacksonville.

1 / 50

Active

Active·88 days on market·Johns Creek

12851 Winthrop Cove Drive

Jacksonville, FL 32224

$429,900$229/sqftEst. $2,210/moMLS# 2123492

Beds

Baths

1,879

Sq Ft

2000

Built

Garage

Pool

About this home

Johns Creek

BACK ON MARKET!!!Visually Intriguing Property set within the sought after Johns Creek Community. Property is nestled on quiet cul de sac for added privacy. Expansive interior to include open floorpan with living, dining, kitchen combo. Focal Wood Wall and fireplace in living room adds additional interest. Large Breakfast Bar with additional eat in space at kitchen as well. All Kitchen Appliances convey with purchase. Split bedroom layout with very large master including 2nd living room off master. Master Bedroom Ensuite with garden tub, separate shower and double sinks. 2 additional bedrooms are ample size for family needs. Large two car garage with mini split unit for Heat and AC temperature control. Fenced back yard with fire pit for cozy evenings at home. HVAC Replaced in 2021, Roof with Architectural Shingles installed 2014.

Cost to own

Mortgage calculator

Home Price

$429,900

Down Payment: 20%

$85,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,210

Principal & Interest: $2,210

Property taxes (est.): $702

Insurance (est.): $287

Estimated Total Monthly

$3,199

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,210

Property taxesest. at asking price, Duval County$702

HOAbilled annually$30

Estimated total, before insurance$2,942/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,327/yr · $527/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Last sold: $435,000 in August 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$401,335	$326,817	▲ $35,474
2024	$366,899	$316,899	▼ $10,284
2023	$390,686	$297,597	▲ $40,793
2022	$337,473	$287,473	—
2021	$265,938	$205,761	▲ $3,700
2020	$248,581	$198,581	▲ $3,690

2025 property taxes (current owner): $6,327/yr

Estimated taxes if purchased at asking price: ~$8,400/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 E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: Shingle — year not disclosed (home built 2000)

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: ~1,684 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

Aug 13, 2026Active$429,900
Aug 5, 2026Active Under Contract$429,900
Jul 21, 2026Price change$429,900−$5,000
Jul 17, 2026Price change$434,900−$5,000
Jun 4, 2026Listed$439,900

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

Features

Price$429,900

Price / Sq Ft$229

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,879

Acres0.14 acres

Year Built2000

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address12851 Winthrop Cove Drive, Jacksonville, FL 32224

Area026-Intracoastal West-South Of Beach Blvd

SubdivisionJohns Creek

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Lot Size6,098.4 sq ft

Parcel Number1671313590

Amenities

AmenitiesJogging Path, Maintenance Grounds

UtilitiesCable Available, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Cooktop, Electric Oven, Electric Range, Microwave

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile

FireplaceYes

# of Fireplaces1

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Garage, Washer Hookup