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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 Wells Creek, Jacksonville — a waterfront home in Jacksonville.

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Sold

Sold·Closed May 22, 2026·4 days on market·Recent sales in Wells Creek·Wells Creek

11993 Elderbank Drive

Jacksonville, FL 32256

$430,000sold priceListed at $425,000 · 101.2% of asking$241/sqftMLS# 2137332
3
Beds
2
Baths
1,784
Sq Ft
2023
Built
2
Garage
No
Pool

29 more homes for sale in Wells Creek →Search Wells Creek on the map

HOA $83/mo10,890 sqft lotWaterfrontSingle Family Residence1 story

About this home

Wells Creek

Incredible opportunity to own a turn-key Aspen floor plan on one of the most spacious lots in all of Wells Creek! This 3 bedroom (plus a flex), 2 bathroom gem was recently built in 2023 and features a spacious open floor plan, upgraded light fixtures, LVP flooring, renovated laundry room, and an extended screened lanai allowing you to enjoy your large backyard with its beautiful pond views and tropical landscaping to the fullest! The kitchen is a chef's delight with a large island, quartz counters, gas range, walk-in pantry, and stainless-steel appliances (that all convey!). Wells Creek is centrally located with easy access to major highways and offers an array of amenities including a resort-style saltwater pool, pavilion, dog park, playground & plenty of green space- all with NO CDD fee!

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$2,382
Property taxesest. at asking price, Duval County$702
HOAbilled quarterly$83
Estimated total, before insurance$3,167/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,655/yr · $555/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

$430,000
$86,000
Loan Term
Monthly Payment
$2,382
Principal & Interest: $2,382
Property taxes (est.): $702
Insurance (est.): $287
Estimated Total Monthly
$3,371
*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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

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

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

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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

North-facing backyard — the shade-and-soft-light lot

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

  • The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
  • Winter afternoons on the lanai run dim earlier than any other orientation.

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

2025 property taxes (current owner): $6,655/yr

Estimated taxes if purchased at asking price: ~$8,400/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, NEFMLS.

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 $241/sq ft; this home is listed at $238/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
12018 Elderbank Drive, Jacksonville, FL 32256Listed by FULL HOUSE REALTYJun 2026$370,000$2683/21,382440
13157 Cameron Valley Court, Jacksonville, FL 32256Listed by ENDLESS SUMMER REALTYSep 2026$410,000$2303/21,784110.1
13162 Dunwick Road, Jacksonville, FL 32256Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJul 2026$484,999$2394/32,032250.1
12096 Elderbank Drive, Jacksonville, FL 32256Listed by ENDLESS SUMMER REALTYJun 2026$383,000$2773/21,38220.1
13201 Holsinger Boulevard, Jacksonville, FL 32256Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTOct 2026$397,500$2413/21,6501000.2
13627 Brookwater Drive, Jacksonville, FL 32256Listed by ROUND TABLE REALTYSep 2026$430,000$2154/22,003280.6

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$425,000
Price / Sq Ft$238
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,784
Acres0.25 acres
Year Built2023
TypeResidential
Sub-TypeSingle Family Residence
StyleCraftsman, Ranch
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes
Direction FacesSouth

School Information

Community Information

Address11993 Elderbank Drive, Jacksonville, FL 32256
Area028-Bayard
SubdivisionWells Creek
CityJacksonville
CountyDuval
StateFL
Zip Code32256
Lot Size10,890 sq ft
Parcel Number1681245150
ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Dog Park, Jogging Path, Park, Playground
Community FeaturesSidewalks, Suburban, Street Lights, Curbs
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewPond, Water
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Vinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Lower Level, Washer Hookup

Exterior

Lot DescriptionCorner Lot, Dead End Street, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Patio, Porch, Rear Porch, Screened
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedApril 2, 2026
Days on Market4
HOA Fees$249 / Quarterly
HOA FrequencyQuarterly
HOA NameWells Creek East HOA
Tax Amount$6,654.71
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY

Sold by: DALTON WADE INC (buyer's brokerage)

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 Wells Creek

Wells Creek is a neighborhood in Jacksonville, FL (Duval County), ZIP 32256.

View all Wells Creek homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on May 22, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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