This home is in Jacksonville.
Active·186 days on market
12320 Gillespie Avenue
Jacksonville, FL 32218
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
VA ASSUMABLE LOAN AT 2.99% Built in 2021, this 3-bedroom, 2-bath home offers 1,537 square feet of comfortable living with an open layout that's perfect for both everyday life and entertaining. Additional features include: Living Room Bookshelf, and Washer and Dryer. Located on the Northside, you'll have quick access to I-95 via Pecan Park Road, making it easy to get to Jacksonville International Airport, downtown, major employers, and River City Marketplace for shopping and dining. Plus, the beaches are just a short drive away.
Next steps in Jacksonville
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, 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
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.
Hurricane evacuation zone D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: material not specified — year not disclosed (home built 2021)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,610 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 homeAs 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $269,402 | $269,402 | — |
| 2024 | $269,845 | $269,845 | ▼ $8,849 |
| 2023 | $254,332 | $254,332 | — |
| 2022 | $241,607 | $241,607 | — |
| 2021 | $40,000 | $40,000 | — |
2025 property taxes (current owner): $5,164/yr
Estimated taxes if purchased at asking price: ~$6,400/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.
History
Price & status history
- Sep 11, 2026Price change$327,500−$2,500
- Apr 8, 2026Listed$330,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $186/sq ft; this home is listed at $213/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 589 Wild Rose Lane, Jacksonville, FL 32218Listed by WATSON REALTY CORP | Aug 2026 | $301,310 | $177 | 4/2 | 1,707 | 166 | 0.2 |
| 577 Wild Rose Lane, Jacksonville, FL 32218Listed by HOVER GIRL PROPERTIES | Jul 2026 | $330,000 | $195 | 3/2 | 1,696 | 10 | 0.2 |
| 248 Holly Court, Jacksonville, FL 32218Listed by RPB REALTY,INC | Aug 2026 | $269,000 | $185 | 3/2 | 1,451 | 41 | 0.4 |
| 246 Holly Court, Jacksonville, FL 32218Listed by RPB REALTY,INC | Jul 2026 | $269,900 | $186 | 3/2 | 1,451 | 29 | 0.4 |
| 710 Renfro Road, Jacksonville, FL 32218Listed by MOMENTUM REALTY | Sep 2026 | $315,000 | $216 | 3/2 | 1,456 | 3 | 0.5 |
| 229 Orangedale Avenue, Jacksonville, FL 32218Listed by LISA DUKE REALTY LLC | Jul 2026 | $225,000 | $180 | 3/2 | 1,247 | 41 | 0.7 |
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
Community Information
Amenities
Interior
Additional Information
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.
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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.
Text Krista about this home20+ years · 500+ closings · NE Florida
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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