Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville — a new construction home in Jacksonville.

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Active

Active·134 days on market

12486 Gate Rd. Road

Jacksonville, FL 32226

$485,000$227/sqftEst. $2,501/moMLS# 2137124

Beds

Baths

2,135

Sq Ft

2026

Built

Garage

Pool

About this home

Jacksonville

Seller offering $5k towards buyer concessions or prepaids! Brand new construction with no HOA or CDD! This beautiful home offers 4 bedrooms, 3 full bathrooms, and an open concept layout with luxury vinyl plank flooring, granite countertops, stylish finishes, and abundant natural light throughout. Enjoy the freedom of over an acre of land with plenty of room for RV and boat parking, outdoor toys, and more. Conveniently located near shopping, dining, and area military bases, this home is a great option for those seeking space, privacy, and an easy commute. Please note: Photos may include virtual staging. Furnishings and décor shown are for illustrative purposes only.

Cost to own

Mortgage calculator

Home Price

$485,000

Down Payment: 20%

$97,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,501

Principal & Interest: $2,501

Property taxes (est.): $792

Insurance (est.): $323

Estimated Total Monthly

$3,616

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,501

Property taxesest. at asking price, Duval County$792

Estimated total, before insurance$3,293/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$812/yr · $68/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: $50,000 in May 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$45,771	$45,771	—
2024	$45,771	$45,771	—

2025 property taxes (current owner): $812/yr

Estimated taxes if purchased at asking price: ~$9,500/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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~1,312 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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