This home is in Jacksonville.

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Active

Active·153 days on market

12215 Ruth Lawn Court

Jacksonville, FL 32224

$499,900$297/sqftEst. $2,661/moMLS# 2129772

Beds

Baths

1,682

Sq Ft

1998

Built

Garage

Yes

Pool

About this home

Jacksonville

LOCATION LOCATION LOCATION. Located close to beaches, downtown, and Mayport Jax. Check out this beautifully updated 3 bedroom, 2 bath pool home featuring a bright, open floor plan and a backyard oasis everyone dreams of.The home offers an updated kitchen with granite countertops and stainless steel appliances, vaulted ceilings, and a desirable split-bedroom layout. The spacious primary suite includes a large walk-in closet and a updated primary bathroom with an awesome walk-in shower.Enjoy wood and LVP flooring throughout and seamless indoor-outdoor living with a screened lanai overlooking the resort-style backyard. Perfect for entertaining, the outdoor space features a sparkling pool with concrete and pavered decking, gazebo, and fire pit. This home has been freshly painted inside and outside. The Roof, and AC were installed in 2016. This move-in-ready home truly has it all: comfort, style, and the ultimate Florida outdoor living experience.

Cost to own

Mortgage calculator

Home Price

$499,900

Down Payment: 20%

$99,980

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,525

Principal & Interest: $2,525

Est. Taxes & Insurance: $631

Estimated Total Monthly

$3,156

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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 · 7.0% · 30yr$2,661

Property taxesest. at asking price, Duval County$816

HOAbilled annually$24

Estimated total, before insurance$3,501/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

Last sold: $525,000 in May 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$378,075	$327,353	—
2024	$379,157	$143,420	▲ $4,842
2023	$351,297	$137,787	—
2022	$307,476	$132,318	—
2021	$248,446	$127,008	—
2020	$235,910	$124,565	—

2025 property taxes (current owner): $6,337/yr

Estimated taxes if purchased at asking price: ~$9,800/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.

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: Shingle — year not disclosed (home built 1998)

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: ~1,754 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History