This home is in Jacksonville.
Sold·Closed Sep 1, 2026·125 days on market·Recent sales in Jacksonville
10612 Ft Caroline Road
Jacksonville, FL 32225
About this home
Jacksonville
Stealing at this price! Rare multi-generational brick home with three separate entrances, offering incredible flexibility for extended families or income potential. The main residence features 2 bedrooms, 2 full bathrooms, a spacious living room, flex space, and sunroom. A self-contained 1-bedroom apartment on the first floor includes its own kitchen and full bath, while upstairs offers 3 additional bedrooms and a full bath with a private entrance--ideal for Airbnb or rental use. The property also features a separate GRANNY FLAT, perfect for guests or additional income. Enjoy a private courtyard with room for a pool and two spacious kitchens. Upgrades include refinished hardwood floors, a brand-new roof, gutters with leaf guards, updated electrical, new windows, walk-in shower, and a freshly paved driveway. Additional highlights include 2019 HVAC units, a commercial RainSoft water purification system, and an oversized laundry room. No HOA or CDD fees!
Next steps in Jacksonville
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 C
Zone C evacuates after zones A, B in an approaching storm.
Roof: material not specified — year not disclosed (home built 1946)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,468 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs 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.
Cost to own
Taxes & assessment
Last sold: $675,000 in August 2024(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $547,456 | $547,456 | — |
| 2025 | $448,641 | $282,429 | — |
| 2024 | $459,961 | $459,961 | — |
| 2024 | $416,387 | $273,762 | ▲ $13,858 |
| 2023 | $463,868 | $447,940 | — |
| 2023 | $418,952 | $264,333 | — |
| 2022 | $407,218 | $407,218 | — |
| 2022 | $380,153 | $255,178 | ▼ $29,485 |
| 2021 | $273,298 | $271,369 | — |
| 2021 | $275,622 | $275,622 | — |
| 2020 | $246,699 | $246,699 | — |
| 2020 | $255,124 | $255,124 | ▲ $8,972 |
2025 property taxes (current owner): $5,558/yr
Estimated taxes if purchased at asking price: ~$9,200/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.
History
Price & status history
- Sep 4, 2026Closed$489,000
- Aug 30, 2026Pending$489,000
- Aug 28, 2026Active$489,000
- Jul 17, 2026Active Under Contract$489,000
- Jan 19, 2026Listed$489,000
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 $231/sq ft; this home is listed at $130/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4042 Harbour Cove Drive, Jacksonville, FL 32225Listed by FLUID REALTY, LLC. | Jul 2026 | $620,000 | $227 | 3/3.5 | 2,732 | 3 | 1.6 |
| 4159 Stratford Way, Jacksonville, FL 32225Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jun 2026 | $625,000 | $231 | 4/3.5 | 2,705 | 0 | 1.7 |
| 11257 Portside Drive, Jacksonville, FL 32225Listed by HOMECOIN.COM | Sep 2026 | $800,000 | $260 | 4/3 | 3,075 | 110 | 1.8 |
| 11050 Harbor Cay Court, Jacksonville, FL 32225Listed by HOMECOIN.COM | Jun 2026 | $1,380,000 | $423 | 4/4.5 | 3,262 | 66 | 1.9 |
| 4238 Stourhead Lane, Jacksonville, FL 32225Listed by RE/MAX SPECIALISTS PV | Jul 2025 | $790,000 | $206 | 6/3.5 | 3,829 | 4 | 1.9 |
| 1133 Candlebark Drive, Jacksonville, FL 32225Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | May 2026 | $585,000 | $192 | 5/3.5 | 3,046 | 34 | 2 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
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.
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Krista Fracke
Broker Associate
This home sold on Sep 1, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
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