This home is in Jacksonville.

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Active

Active·118 days on market

12301 Kernan Forest Boulevard 1902

Jacksonville, FL 32225

$239,000$156/sqftEst. $1,272/moMLS# 2136019

Beds

Baths

1,530

Sq Ft

2005

Built

Garage

Pool

About this home

Jacksonville

*PRICE IMPROVEMENT* This beautiful, COMPLETELY FURNISHED 3 Bedroom, 2 full bath corner unit is nestled in Hammock Grove, positioned within steps of the mail box & amenities. Conveniently set at the front of the gated neighborhood for a stress-free commute, beginning in the attached garage. This home was fully updated in 2022 to include: Stainless steel appliances, hard floors in all common areas, cozy bedroom carpeting, new A/C system & NEST thermostat and has been meticulously cared for since. The spacious floor plan allows for natural light to pour in, while the balcony offers the perfect maintenance-free outdoor escape. Amenities include a resort style pool & playgrounds.

Cost to own

Mortgage calculator

Home Price

$239,000

Down Payment: 20%

$47,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,215

Principal & Interest: $1,215

Est. Taxes & Insurance: $304

Estimated Total Monthly

$1,519

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$1,272

Property taxesest. at asking price, Duval County$390

HOAbilled monthly$320

Estimated total, before insurance$1,982/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: $266,000 in May 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$214,500	$214,500	—
2024	$214,500	$214,500	—
2023	$214,500	$214,500	—
2022	$181,000	$181,000	—
2021	$145,000	$139,331	—
2020	$132,000	$126,665	▲ $2,500

2025 property taxes (current owner): $3,826/yr

Estimated taxes if purchased at asking price: ~$4,700/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.

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: material not specified — year not disclosed (home built 2005)

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

Likely sewer

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,788 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