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This home is in Glen Kernan, Jacksonville — a golf course home in Jacksonville.

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Active

Active·140 days on market·Glen Kernan

12433 Royal Troon Lane

Jacksonville, FL 32224

$3,300,000$594/sqftEst. $16,965/moMLS# 2139621

Beds

Baths

5,558

Sq Ft

2022

Built

Garage

Yes

Pool

About this home

Glen Kernan

Focused on neutral, this Coastal Classic is all about simple living in a relaxed environment. Popular Board and Batten is finished with horizontal shiplap accented by a sunny front porch showcasing the spot-on architecture and low maintenance. Enjoy the carefree flow in the perfectly balanced open design with four private bedroom suites. The two-story foyer welcomes guests, while the adjacent formal dining room is perfect for holidays & gatherings. A private study offers a dedicated work environment. Venture further and you'll be swept into a soaring two story great room with custom wall of built-ins for TV & treasures. The hub of the home is a deluxe open kitchen featuring dreamy quartz counters, stainless steel appliances, a gas cooktop, an oversized contrasting island, large pantry & expanded storage & counter space in the adjacent nook. Sensational pocketing doors lead to outdoor living on the lanai with a covered room offering a summer kitchen, outdoor dining, TV area &

Cost to own

Mortgage calculator

Home Price

$3,300,000

Down Payment: 20%

$660,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$16,965

Principal & Interest: $16,965

Property taxes (est.): $5,388

Insurance (est.): $2,200

Estimated Total Monthly

$24,554

*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$16,965

Property taxesest. at asking price, Duval County$5,388

HOAbilled monthly$698

Estimated total, before insurance$23,052/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$37,346/yr · $3,112/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

Year	Market value	Taxable value	Change
2025	$2,141,184	$2,072,520	▲ $84,717
2024	$2,063,404	$2,013,404	▼ $3,308
2023	$1,872,454	$1,872,454	▲ $322,075
2022	$390,000	$390,000	▲ $15,000

2025 property taxes (current owner): $37,346/yr

Estimated taxes if purchased at asking price: ~$64,700/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Metal, Shingle — year not disclosed (home built 2022)

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

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

Apr 11, 2026Listed$3,300,000

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

Features

Price$3,300,000

Price / Sq Ft$594

Bedrooms4

Bathrooms5.50

Full Baths4

Half Baths3

Square Footage5,558

Acres0.98 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Fenced, Gas Heat, Heated, Salt Water, Screen Enclosure, Waterfall

Is WaterfrontNo

Direction FacesSouth

School Information

ElementaryChets Creek

MiddleKernan

HighAtlantic Coast

Community Information

Address12433 Royal Troon Lane, Jacksonville, FL 32224

Area026-Intracoastal West-South Of Beach Blvd

SubdivisionGlen Kernan

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Lot Size42,688.8 sq ft

Parcel Number1677326970

ZoningPUD

Amenities

AmenitiesBarbecue, Basketball Court, Clubhouse, Fitness Center, Golf Course, Pickleball, Playground, Spa/Hot Tub, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Oven, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral, Electric, Heat Pump, Zoned

CoolingCentral Air, Electric, Zoned

FlooringCarpet, Laminate, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories2

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

SecurityGated with Guard

Spa FeaturesIn Ground, Heated, Private