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Active

Active·100 days on market

12283 Cardinal Creek Drive

Jacksonville, FL 32218

$449,500$126/sqftEst. $2,392/moMLS# 2137495

Beds

Baths

3,555

Sq Ft

2006

Built

Jacksonville

About this home

Bring your imagination to this 2 story canvas. Offering 3,555 square ft of living space, Five generously sized Bedrooms and 2 Full Bathrooms and 1 Half Bathroom. Primary Suite (Masters bedroom)features walk in closets and a bathroom with both tub and a separate shower located on the main floor. A great big living room to relax and spend time with the family on the first floor and a substantial bonus space upstairs suitable for a family room. This property is perfect for growing family or those who simply appreciate the luxury of space. It is nearly half an acre. This is a well established community offers pool, playground, mature landscaping while being conveniently located to essential amenities, schools, shopping and dining options. 8 miles to Jax International Airport, 30 minutes to NAS Mayport , NAS Jax or the Beach. No sign in the yard.

Cost to own

Mortgage calculator

Home Price

$449,500

Down Payment: 20%

$89,900

Interest Rate: 7.00%

Loan Term

Monthly Payment

$2,392

Principal & Interest: $2,392

Est. Taxes & Insurance: $598

Estimated Total Monthly

$2,991

*Estimates based on 30-year loan at 7% APR. Actual payments 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 · 7.0% · 30yr$2,392

Property taxesest. at asking price, Duval County$734

HOAbilled annually$55

Estimated total, before insurance$3,181/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$364,632	$364,632	—

2025 property taxes (current owner): $6,835/yr

Estimated taxes if purchased at asking price: ~$8,800/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 3,908 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 2006)

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

Solar potential: ~1,691 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 home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Mar 30, 2026Listed$449,500

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

Features

Price$449,500

Price / Sq Ft$126

Bedrooms5

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage3,555

Acres0.48 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

StyleA-Frame, Multi Generational, Traditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address12283 Cardinal Creek Drive, Jacksonville, FL 32218

Area092-Oceanway/Pecan Park

SubdivisionDunns Creek

CityJacksonville

CountyDuval

StateFL

Zip Code32218

Lot Size20,908.8 sq ft

Parcel Number1067410210

Amenities

AmenitiesPool, Management - Off Site, Playground

UtilitiesElectricity Available, Electricity Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage Door Opener

ViewPond

Interior

Interior FeaturesBreakfast Bar, Kitchen Island, Pantry, Primary Bathroom - Tub with Shower, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup