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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Seven Pines, Jacksonville — a home near Atlantic Coast High School.

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Active Under Contract

Active Under Contract·202 days on market·Seven Pines

12229 Gathering Pines Road

Jacksonville, FL 32224

$1,275,000$402/sqftEst. $7,062/moMLS# 2137250
4
Beds
3.5
Baths
3,169
Sq Ft
2023
Built
3
Garage
Yes
Pool

73 more homes for sale in Seven Pines →Search Seven Pines on the map

FEMA Zone XHOA $8/mo10,019 sqft lotSingle Family Residence2 stories

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About this home

Seven Pines

You couldn't ask for more with this bright and airy ICI Palos Verdes Floor Plan in Seven Pines. The large foyer opens up to a breathtaking view of an open and bright great room, covered lanai, and new (2025) pool with waterfall and fountain features. Both indoor and outdoor spaces are versatile for many entertaining and communal living possibilities. The expansive living room is open to the gourmet kitchen and dining area. The bakyard has open views of both wooded spaces and water views. The owner suite is situated along one full side of the home, and features double walk-in closets, double vanities and a huge walk-in shower. This community is so convenient to highways that the beaches, intercoastal, Town Center, UNF, Downtown, the St Johns River and so much more are only minutes away. All in a quiet community with Jogging Path, Community Pool and Playground. There is a large front porch and many shops including Publix comming the The Village at Seven Pines retail.

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$7,062
Property taxesest. at asking price, Duval County$2,082
HOAbilled annually$8
Estimated total, before insurance$9,152/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$17,657/yr · $1,471/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,275,000
$255,000
Loan Term
Monthly Payment
$7,062
Principal & Interest: $7,062
Property taxes (est.): $2,082
Insurance (est.): $850
Estimated Total Monthly
$9,994
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2023)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water from JEA per the county inventory.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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.

Sun & Light

Northeast-facing backyard — summer sunrises, all-day cool

The listing reports the home facing southwest, which puts the backyard and pool on the northeast side. Today at this address: sunrise 7:29 AM, sunset 6:53 PM.

  • A pool here trades warmth for comfort.
  • The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
  • The coolest diagonal for a lanai.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

Last sold: $954,900 in December 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$789,013$789,013▲ $43,879
2024$744,929$744,929—
2023$125,000$125,000—

2025 property taxes (current owner): $17,657/yr

Estimated taxes if purchased at asking price: ~$25,000/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

  • Oct 3, 2026Active Under Contract$1,275,000
  • Mar 28, 2026Listed$1,275,000

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 $351/sq ft; this home is listed at $402/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
5322 Legacy Pines Way, Jacksonville, FL 32224Listed by SUPER SELLERSep 2026$843,750$3154/32,682230.3
12197 Tribute Circle, Jacksonville, FL 32224Listed by COMPASS FLORIDA LLCAug 2026$1,124,500$3614/3.53,113420.4
5556 Woodgate Avenue, Jacksonville, FL 32256Listed by ICI SELECT REALTY, INC.Oct 2026$986,755$3704/32,666180.5
5549 Woodgate Avenue, Jacksonville, FL 32224Listed by ICI SELECT REALTY, INC.Sep 2026$992,650$3204/3.53,10200.5
12097 Reunion Circle, Jacksonville, FL 32224Listed by WEEKLEY HOMES REALTYSep 2026$1,159,545$3194/3.53,63900.5
5548 Rain Barrel Road, Jacksonville, FL 32224Listed by ICI SELECT REALTY, INC.Sep 2026$922,553$3514/32,62700.5

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

Price$1,275,000
Price / Sq Ft$402
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage3,169
Total Structure Area4,336 sq ft
Acres0.23 acres
Year Built2023
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary
StatusActive Under Contract
# of Garages3
Has PoolYes
Pool FeaturesIn Ground, Waterfall
Is WaterfrontNo
Direction FacesSouthwest

School Information

Community Information

Address12229 Gathering Pines Road, Jacksonville, FL 32224
Area027-Intracoastal West-South Of Jt Butler Blvd
SubdivisionSeven Pines
CityJacksonville
CountyDuval
StateFL
Zip Code32224
Lot Size10,018.8 sq ft
Parcel Number1677400820
ZoningResidential

Amenities

AmenitiesPool, Jogging Path, Playground, Trash
UtilitiesNatural Gas Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewTrees/Woods, Water

Interior

Interior FeaturesEat-in Kitchen, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Gas Water Heater, Tankless Water Heater
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile, Vinyl
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
FencingBack Yard
RoofShingle
ConstructionOther, Brick, Fiber Cement, Frame
Road FrontageCity Street

Additional Information

Date ListedMarch 28, 2026
Days on Market190
HOA Fees$90 / Annually
HOA FrequencyAnnually
HOA NameSeven Pines
Tax Amount$17,657.32
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: TU FAMILIA 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.

The neighborhood

About Seven Pines

Seven Pines is a neighborhood in Jacksonville, FL (Duval County), ZIP 32224.

View all Seven Pines homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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