This home is in Wells Creek, Jacksonville.

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Pending

Pending·161 days on market·Wells Creek

13822 Harlowton Avenue

Jacksonville, FL 32256

$570,000$194/sqftEst. $2,897/moMLS# 2129180

Beds

Baths

2,933

Sq Ft

2020

Built

Garage

Pool

About this home

Wells Creek

Motivated seller—ready to make a deal! Don't miss this spacious 4-bedroom, 3.5-bath home offering an open-concept layout designed for modern living. The gourmet kitchen features quartz countertops and overlooks the main living areas, perfect for gatherings. A private study with French doors provides the ideal home office, while the tandem 3-car garage offers ample storage. Step outside to a large backyard with a covered lanai, perfect for entertaining or relaxing evenings. The primary suite boasts a tray ceiling and a spa-like ensuite with soaking tub, walk-in shower, and dual vanity. Bedrooms with walk-in closets. Conveniently located near local shops, dining, and top-rated schools, this home combines comfort, style, and convenience.

Cost to own

Mortgage calculator

Home Price

$570,000

Down Payment: 20%

$114,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,897

Principal & Interest: $2,897

Est. Taxes & Insurance: $724

Estimated Total Monthly

$3,622

*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$2,897

Property taxesest. at asking price, Duval County$931

HOAbilled monthly$83

Estimated total, before insurance$3,911/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

Year	Market value	Taxable value	Change
2025	$502,464	$502,464	▲ $10,000
2024	$493,435	$463,546	—
2023	$489,760	$421,406	—
2022	$416,152	$383,097	—
2021	$348,270	$348,270	—
2020	$70,000	$70,000	—

2025 property taxes (current owner): $9,298/yr

Estimated taxes if purchased at asking price: ~$11,200/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.

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 2020)

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

Solar potential: ~1,613 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

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.

Features

Price$570,000

Price / Sq Ft$194

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,933

Acres0.16 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontNo

Community Information

Address13822 Harlowton Avenue, Jacksonville, FL 32256

Area028-Bayard

SubdivisionWells Creek

CityJacksonville

CountyDuval

StateFL

Zip Code32256

Lot Size6,969.6 sq ft

Parcel Number1681241950

Amenities

AmenitiesPool, Dog Park, Playground

UtilitiesElectricity Available, Electricity Connected, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingElectric Vehicle Charging Station(s), Garage

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Washer, ENERGY STAR Qualified Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral, Electric, Hot Water, Zoned

CoolingCentral Air, Electric, Zoned

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Upper Level, Washer Hookup

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)