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Sold

Sold·Closed Jun 24, 2026·127 days on market·Recent sales in Over 55 & Active Adult

12780 Cacao Tree Trail

Jacksonville, FL 32218

$295,000sold priceListed at $295,000 · 100% of asking$198/sqftMLS# 2126336

Beds

Baths

1,488

Sq Ft

2023

Built

Garage

Pool

HOA $10/mo6,098 sqft lotSingle Family Residence1 story

About this home

Jacksonville

PRICED WELL BELOW BUILDER WITH UPGRADES! This BETTER-THAN-NEW home in The Arbors is A GEM AMONG STONES! This MOVE-IN READY property is full of thoughtful, custom upgrades and ready for its next owner! The kitchen and baths feature UPGRADED 1-INCH QUARTZ COUNTERTOPS in kitchen and both bathrooms, a KRAUS GRANITE SINK with modern faucet, and stylish Moen fixtures with UNDERMOUNT CERAMIC SINKS in each bathroom. Throughout the home you'll find UPGRADED LIGHTING AND CEILING FANS for a modern touch. The FULLY FINISHED GARAGE WITH SHARK COATING adds durability and function, while CUSTOM FRENCH DOORS open to a FULLY FENCED BACKYARD--perfect for kids, pets, or entertaining. Refrigerator and washer/dryer are negotiable. Community amenities include a RESORT-STYLE POOL and SPLASH PAD, CLUBHOUSE, GYM, and PLAYGROUND, with future additions of a DOG PARK, LAP POOL, and PICKLEBALL COURTS. Convenient to Kings Bay, Mayport, NAS JAX, and Cecil Field.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.32% · 30yr$1,621

Property taxesest. at asking price, Duval County$482

HOAbilled quarterly$10

Estimated total, before insurance$2,113/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,864/yr · $572/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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).

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 2023)

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

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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Closest beach parking
Bluffs Scenic Trail, Big Talbot Island State Park
about 16 mi · 35 parking spaces
Closest park or preserve
Thomas Creek Conservation Area
about 4 mi · 4.9 mi of trails
Closest public boat ramp
Lake Bethesda Park – Primitive FMA Ramp (Electric Motors Only)
about 2 mi · Bethesda Lake
Closest kayak & paddleboard launch
Lake Bethesda Park – Adaptive Kayak Launch
about 2 mi · Bethesda Pond
Closest youth league fields
Garden City Elementary School Park
about 2 mi · Baseball, Softball
Closest grocery store
Walmart Supercenter
about 1 mi · 12100 Lem Turner Rd, Jacksonville

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

Last sold: $304,000 in November 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$245,103	$186,460	—
2024	$230,498	$180,498	▲ $8,601
2023	$50,000	$50,000	—

2025 property taxes (current owner): $6,864/yr

Estimated taxes if purchased at asking price: ~$5,800/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.

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 $197/sq ft; this home is listed at $198/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
12517 Russian Olive Road, Jacksonville, FL 32218Listed by D R HORTON REALTY INC	Sep 2026	$349,900	$188	4/2	1,862	11	0.2
4017 Chihuahua Court, Jacksonville, FL 32218Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY	Sep 2026	$305,000	$189	3/2	1,618	25	0.2
4005 Sitka Pine Circle, Jacksonville, FL 32218Listed by D R HORTON REALTY INC	Aug 2026	$350,000	$197	4/2	1,774	48	0.2
12511 Russian Olive Road, Jacksonville, FL 32218Listed by D R HORTON REALTY INC	Sep 2026	$327,950	$204	4/2	1,609	35	0.3
12463 Russian Olive Road, Jacksonville, FL 32218Listed by D R HORTON REALTY INC	Aug 2026	$331,500	$200	5/2	1,657	94	0.3
12197 Yew Tree Road, Jacksonville, FL 32218Listed by D R HORTON REALTY INC	Aug 2026	$319,350	$194	3/2	1,646	134	0.3

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$295,000

Price / Sq Ft$198

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,488

Acres0.14 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusClosed

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryGarden City

MiddleHighlands

HighJean Ribault

Community Information

Address12780 Cacao Tree Trail, Jacksonville, FL 32218

Area091-Garden City/Airport

SubdivisionThe Arbors

CityJacksonville

CountyDuval

StateFL

Zip Code32218

Lot Size6,098.4 sq ft

Parcel Number0194492745

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Pickleball, Playground

Community FeaturesSidewalks, Street Lights

UtilitiesCable Available, Electricity Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Open Floorplan, Primary Bathroom - Tub with Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Microwave

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Vinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

SecurityFire Alarm, Security System Owned

Exterior

Patio / PorchDeck, Rear Porch

FencingBack Yard, Vinyl

RoofShingle

ConstructionComposition Siding, Fiber Cement

Road SurfaceAsphalt

Road FrontagePrivate Road

Additional Information

Date ListedJanuary 22, 2026

Days on Market127

HOA Fees$31 / Quarterly

HOA FrequencyQuarterly

Tax Amount$6,864.3

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: ERA ONETEAM REALTY

Sold by: LPT REALTY LLC (buyer's brokerage)

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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