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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville — a home near Sandalwood High School.

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Active

Active·268 days on market

12301 Kernan Forest Boulevard 1406

Jacksonville, FL 32225

$209,900$187/sqftEst. $1,163/moMLS# 2126580
↓ $10,000 below original list
2
Beds
2
Baths
1,122
Sq Ft
2005
Built
1
Garage
No
Pool
FEMA Zone XHOA $320/mo436 sqft lotCondominium2 stories

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville

Welcome home to this beautiful end unit condo that checks all the boxes! Enjoy laminate flooring throughout. No carpet! The kitchen features quartz countertops, stainless appliances, and ample storage. Perfect for everyday living and entertaining. Plantation shutters throughout offer style and privacy. The screened balcony is the perfect place for your morning coffee or evening unwind, and the one car garage offers convenience, safety, and additional storage. Located in a quiet gated community with access to community pool, splash pool, play ground, clubhouse, and basketball courts. Convenient location provides easy access to the beaches, town center, and downtown areas.

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$1,163
Property taxesest. at asking price, Duval County$343
HOAbilled monthly$320
Estimated total, before insurance$1,825/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,649/yr · $137/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$209,900
$41,980
Loan Term
Monthly Payment
$1,163
Principal & Interest: $1,163
Property taxes (est.): $343
Insurance (est.): $140
Estimated Total Monthly
$1,645
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 2005)

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

Likely sewer

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,791 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.

Around this address

Nearby, from public data

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

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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

YearMarket valueTaxable valueChange
2025$191,500$82,579—
2024$191,500$79,404—
2023$191,500$75,490—
2022$143,000$76,190—
2021$123,000$72,500—
2020$113,000$113,000—

2025 property taxes (current owner): $1,649/yr

Estimated taxes if purchased at asking price: ~$4,100/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 17, 2026Price change$209,900−$5,000
  • Aug 18, 2026Price change$214,900−$3,100
  • Jul 31, 2026Price change$218,000−$1,900
  • Jan 23, 2026Listed$219,900

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 $188/sq ft; this home is listed at $187/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
12301 Kernan Forest Boulevard 2806, Jacksonville, FL 32225Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$221,500$1972/21,122740
12301 Kernan Forest Boulevard 1808, Jacksonville, FL 32225Listed by MARK SPAIN REAL ESTATEAug 2026$200,000$1603/21,250400
12301 Kernan Forest Boulevard 2606, Jacksonville, FL 32225Listed by FLORIDA HOMES REALTY & MTG LLCJun 2026$220,000$1962/21,122950
12301 Kernan Forest Boulevard 1701, Jacksonville, FL 32225Listed by UNITED REAL ESTATE GALLERYFeb 2026$235,000$1883/21,25090
12301 Kernan Forest Boulevard 1606, Jacksonville, FL 32225Listed by FLORIDA HOMES REALTY & MTG LLCSep 2025$200,000$1782/21,1221710
12301 Kernan Forest Boulevard 1306, Jacksonville, FL 32225Listed by RE/MAX SPECIALISTSJul 2026$205,000$1832/21,122130.1

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$209,900
Price / Sq Ft$187
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,122
Acres0.01 acres
Year Built2005
TypeResidential
Sub-TypeCondominium
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo

School Information

ElementarySabal Palm
MiddleLandmark

Community Information

Address12301 Kernan Forest Boulevard 1406, Jacksonville, FL 32225
Area043-Intracoastal West-North Of Atlantic Blvd
SubdivisionHammock Grove
CityJacksonville
CountyDuval
StateFL
Zip Code32225
Lot Size435.6 sq ft
Parcel Number1611326872

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Playground
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingAdditional Parking

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Washer
HeatingCentral
CoolingCentral Air
FlooringLaminate
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySecurity Gate

Exterior

Exterior FeaturesBalcony
Patio / PorchScreened
ConstructionStucco

Additional Information

Date ListedJanuary 23, 2026
Days on Market237
HOA Fees$320 / Monthly
HOA FrequencyMonthly
Tax Amount$1,648.79
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MOMENTUM REALTY

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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