This home is in Jacksonville — a waterfront home in Jacksonville.
Active·210 days on market
12908 Josslyn Lane
Jacksonville, FL 32246
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Beautiful water view home in a great location! 3 bedroom, 2.5 bath close to Jacksonville's beautiful beaches. HOA covers lawn maintenance. Open-concept living room and kitchen. High ceilings and lots of natural light. Sleek kitchen with quartz countertops and SS appliances. Great for entertaining! Wood like tile throughout the living space. Step outside into the private covered patio and enjoy your morning coffee or just simply relax with the peaceful view of the water. Enjoy the spacious owner's suite with an ensuite bathroom and a nice size walk-in closet. There are 2 additional bedrooms, a full bathroom with 2 sinks, and a roomy laundry room. Close to shops, restaurants, schools, and movie theater. Minutes away from Mayo Clinic, UNF, and quick access to 295 & JTB. Walking Distance from Ascension St. Vincent's Emergency care and Reunion Rehabilitation Hospital. A must see!!!
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 A — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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 2022)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,729 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
19th Ave Nabout 6 mi · 15 parking spaces
Closest park or preserve
Dutton Island Preserveabout 5 mi · 1.2 mi of trails
Closest public boat ramp
Pottsburg Creek Public Boat Rampabout 5 mi · Pottsburg Creek
Closest kayak & paddleboard launch
Castaway Island Preserve Kayak Dockabout 3 mi · Atlantic Intercoastal Waterway
Closest youth league fields
Huffman Boulevard Parkabout 1.0 mi · Soccer
Closest grocery store
Sprouts Farmers Marketabout 0.2 mi · 12675 Beach Blvd,, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
Last sold: $362,500 in July 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $309,491 | $309,491 | — |
| 2024 | $310,632 | $310,632 | — |
| 2023 | $306,886 | $306,886 | — |
| 2022 | $50,000 | $49,500 | — |
| 2021 | $45,000 | $45,000 | — |
| 2020 | $44,000 | $44,000 | — |
2025 property taxes (current owner): $5,844/yr
Estimated taxes if purchased at asking price: ~$6,900/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
- Jul 26, 2026Price change$354,400−$500
- Mar 27, 2026Listed$354,900
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 $203/sq ft; this home is listed at $208/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 12703 Josslyn Lane, Jacksonville, FL 32246Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $310,000 | $200 | 2/2.5 | 1,553 | 58 | 0.2 |
| 12712 Josslyn Lane, Jacksonville, FL 32246Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Jul 2026 | $315,000 | $203 | 2/2.5 | 1,553 | 97 | 0.2 |
| 3591 Kernan Boulevard 301, Jacksonville, FL 32224Listed by COMPASS FLORIDA LLC | Sep 2026 | $232,250 | $194 | 3/2 | 1,200 | 49 | 0.5 |
| 3108 Villa Vera Court, Jacksonville, FL 32246Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2026 | $458,000 | $302 | 3/2 | 1,515 | 68 | 1 |
| 2955 Lucena Lane, Jacksonville, FL 32246Listed by RE/MAX SPECIALISTS | Sep 2026 | $595,000 | $283 | 3/2 | 2,104 | 110 | 1.2 |
| 13349 Stone Pond Drive, Jacksonville, FL 32224Listed by COLDWELL BANKER VANGUARD REALTY | Jul 2026 | $330,000 | $196 | 3/2.5 | 1,682 | 28 | 1.2 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: EXIT INSPIRED REAL ESTATE
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
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines