This home is in Jacksonville.

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Active

Active·137 days on market

12866 Josslyn Lane

Jacksonville, FL 32246

$344,900$209/sqftEst. $1,759/moMLS# 2134360

Beds

Baths

1,650

Sq Ft

2022

Built

Garage

Pool

About this home

Jacksonville

Welcome to this beautifully maintained 3-bedroom, 2.5-bath townhome built in 2022, ideally located in Jacksonville just minutes from Beach Blvd and Kernan Blvd. Offering approximately 1,650 square feet of thoughtfully designed living space, this home combines modern finishes with a functional open layout. The main floor features a spacious living and dining area that flows seamlessly into the kitchen, making it ideal for both everyday living and entertaining. The kitchen is equipped with quartz countertops, stainless steel appliances, and ample cabinet space, providing both style and practicality. Upstairs, the primary suite offers a private retreat with an en-suite bathroom and generous closet space. Two additional bedrooms and a full bathroom provide flexibility for guests, family members, or a home office. A convenient half bath is located on the first floor.

Cost to own

Mortgage calculator

Home Price

$344,900

Down Payment: 20%

$68,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,759

Principal & Interest: $1,759

Property taxes (est.): $563

Insurance (est.): $230

Estimated Total Monthly

$2,552

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.58% · 30yr$1,759

Property taxesest. at asking price, Duval County$563

HOAbilled monthly$300

Estimated total, before insurance$2,622/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,651/yr · $471/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).

Cost to own

Taxes & assessment

Last sold: $317,000 in February 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$298,615	$298,615	—
2024	$299,712	$299,712	—
2023	$295,918	$295,918	—
2022	$50,000	$49,500	—
2021	$45,000	$45,000	—
2020	$44,000	$44,000	—

2025 property taxes (current owner): $5,651/yr

Estimated taxes if purchased at asking price: ~$6,800/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 2022)

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

Solar potential: ~1,784 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.

History