This home is in Jacksonville.
Active Under Contract·46 days on market
12338 Carriann Cove Trail S
Jacksonville, FL 32225
About this home
Jacksonville
Welcome to The Villas at Cross Creek, where location, condition, and value come together -- all under $400,000. This meticulously maintained home is perfectly situated just off Kernan and Atlantic Boulevard, making shopping, dining, and everyday errands seamless and convenient. Inside, you'll find LVP flooring flowing through the majority of the home, offering both style and low-maintenance living. The spacious kitchen provides ample prep and storage space and opens directly to the outdoor patio -- ideal for entertaining guests or enjoying quiet evenings at home. The main living area features a cozy wood-burning fireplace, perfect for chilly nights and creating a warm, inviting atmosphere. Need flexibility? The dedicated flex space is perfectly suited for a home office, playroom, workout area, or creative studio -- tailored to your lifestyle. The private backyard with no rear neighbors, gives you the peace and privacy you crave. This home is truly a special find. A must see!
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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: $345,000 in March 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $322,156 | $322,156 | — |
| 2024 | $281,415 | $231,415 | ▲ $9,922 |
| 2023 | $281,095 | $271,678 | — |
| 2022 | $246,980 | $246,980 | — |
| 2021 | $193,045 | $193,045 | — |
| 2020 | $185,560 | $185,560 | ▲ $11,131 |
2025 property taxes (current owner): $6,081/yr
Estimated taxes if purchased at asking price: ~$7,100/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.
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 1995)
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: ~1,749 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 homeInformational 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
Price & status history
- May 29, 2026Listed$363,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Villas At Cross Crk
Pending$337,000MLS# 2140287Est. $1,794/mo12380 Sondra Cove Trail N, Jacksonville, FL 322253 Beds2 Baths1,467 sqftCorner lot • Fenced yard • Major system updates Single-story 3BR/2BA home with 1,467 sq ft on a corner lot with…
ResidentialCROSSVIEW REALTY
For Rent$2,350/moMLS# 214169412323 Silent Brook Trail N, Jacksonville, FL 322253 Beds2 Baths1,304 sqftNicely decorated two-story home in desirable Villas at Cross Creek. 15 minutes from the beaches, downtown, Naval…
Residential LeaseINI REALTY
Keep looking
Similar homes in Jacksonville
Your Local Expert
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Contact KristaText Krista about this home20+ 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines