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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 Cormorant Landing, Jacksonville — a waterfront home in Jacksonville.

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Sold

Sold·Closed Jun 15, 2026·83 days on market·Recent sales in Cormorant Landing·Cormorant Landing

12218 Cattail Lane

Jacksonville, FL 32223

$493,000sold priceListed at $497,400 · 99.1% of asking$170/sqftMLS# 2129919
4
Beds
3
Baths
2,900
Sq Ft
1989
Built
2
Garage
No
Pool

7 more homes for sale in Cormorant Landing →Search Cormorant Landing on the map

HOA $210/mo15,682 sqft lotWaterfrontSingle Family Residence1 story

About this home

Cormorant Landing

Nestled within the gated community of Cormorant Landing, this stunning 4BR/3BA all-brick waterfront home offers an exceptional blend of privacy, space, and prestige in the heart of Mandarin. The thoughtfully designed split floor plan includes two primary suites, providing ideal flexibility for multi-generational living, guests, or an elegant home office retreat. Step inside to the inviting interior, adorned with tasteful architectural details that enhance the home's charm. This home offers separate formal living and dining rooms as well as a large family room with a fireplace. The large screened lanai presents serene water views, making it the perfect setting for morning coffee or evening gatherings. This residence is a canvas for your vision, ready for modernization and priced to reflect this unique opportunity. The home has been well cared for inside and out. Major systems recently updated (WH 2026, Roof 2025, HVAC 2018) ensuring immediate value and peace of mind.

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$2,731
Property taxesest. at asking price, Duval County$805
HOAbilled monthly$210
Estimated total, before insurance$3,746/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,415/yr · $785/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

$493,000
$98,600
Loan Term
Monthly Payment
$2,731
Principal & Interest: $2,731
Property taxes (est.): $805
Insurance (est.): $329
Estimated Total Monthly
$3,864
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 — 2025 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,586 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$508,844$508,844—
2024$468,239$468,239—
2023$464,882$464,882—
2022$409,974$358,693▲ $28,606
2021$326,085$326,085—
2020$302,116$302,116—

2025 property taxes (current owner): $9,415/yr

Estimated taxes if purchased at asking price: ~$9,700/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 $225/sq ft; this home is listed at $172/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3278 Twisted Oaks Lane, Jacksonville, FL 32223Listed by FLUID REALTY, LLC.Aug 2026$458,000$2253/22,032220.5
3745 Dogwood Hill Terrace, Jacksonville, FL 32223Listed by NEXT MOVE ATLANTIC COASTSep 2026$507,000$2294/32,21080.6
3752 Helicon Drive, Jacksonville, FL 32223Listed by MOMENTUM REALTYAug 2026$520,000$2303/22,26230.6
12743 Camellia Bay Drive E, Jacksonville, FL 32223Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYAug 2026$580,000$2045/32,839310.6
3869 Marnie Place, Jacksonville, FL 32223Listed by INI REALTYOct 2026$490,000$2024/22,431920.8
3250 Tea Rose Drive, Jacksonville, FL 32223Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEOct 2026$392,000$1824/32,157780.8

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$497,400
Price / Sq Ft$172
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,900
Acres0.36 acres
Year Built1989
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch, Traditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

ElementaryLoretto
MiddleMandarin

Community Information

Address12218 Cattail Lane, Jacksonville, FL 32223
Area014-Mandarin
SubdivisionCormorant Landing
CityJacksonville
CountyDuval
StateFL
Zip Code32223
Lot Size15,681.6 sq ft
Parcel Number1581365134
ZoningResidential

Amenities

AmenitiesTennis Court(s)
UtilitiesElectricity Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewPond
Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Guest Suite, His and Hers Closets, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Wet Bar
AppliancesDishwasher, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
Window FeaturesSkylight(s)
SecurityGated with Guard

Exterior

Patio / PorchRear Porch, Screened
RoofShingle
ConstructionBrick

Additional Information

Date ListedFebruary 13, 2026
Days on Market83
HOA Fees$210 / Monthly
HOA FrequencyMonthly
Tax Amount$9,414.5
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

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.

The neighborhood

About Cormorant Landing

Cormorant Landing is a neighborhood in Mandarin, FL (Duval County), ZIP 32223.

View all Cormorant Landing homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 15, 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?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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