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

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Active

Active·155 days on market·Seven Pines

12229 Gathering Pines Road

Jacksonville, FL 32224

$1,275,000$402/sqftEst. $6,555/moMLS# 2137250

Beds

Baths

3,169

Sq Ft

2023

Built

Garage

Yes

Pool

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.

Cost to own

Mortgage calculator

Home Price

$1,275,000

Down Payment: 20%

$255,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$6,555

Principal & Interest: $6,555

Property taxes (est.): $2,082

Insurance (est.): $850

Estimated Total Monthly

$9,487

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$6,555

Property taxesest. at asking price, Duval County$2,082

HOAbilled annually$8

Estimated total, before insurance$8,644/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).

Cost to own

Taxes & assessment

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

Year	Market value	Taxable value	Change
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.

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.

History

Price & status history

Mar 28, 2026Listed$1,275,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

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

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Waterfall

Is WaterfrontNo

Direction FacesSouthwest

School Information

ElementaryTwin Lakes Academy

MiddleTwin Lakes Academy

HighAtlantic Coast

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)