This home is in Jacksonville — a waterfront home in Jacksonville.
Active·149 days on market
12558 Lake Madison Lane
Jacksonville, FL 32218
About this home
Jacksonville
Priced to sell! Discover peaceful lakefront living on one of the largest lots in the neighborhood-an impressive .33-acre private oasis w/ tranquil water views. This beautiful 4BR/3BA home w/ upstairs FLEX space offers the feel of new construction w/out the added expense. Start your mornings relaxing on the covered patio overlooking the serene lake, or enjoy the spacious open floor plan designed for modern living. The main level features durable tile flooring, a bright kitchen with breakfast bar, and newer stainless appliances including dishwasher, microwave, and refrigerator. Convenient large bedrm downstairs.Stay comfortable year-round with a brand-new 5-ton Ruud HVAC system featuring HEPA filtration, UV light, and all-new ductwork for improved air quality. The spacious primary suite offers a walk-in closet & spa-inspired bath w/ soaking tub & separate shower. Add'l highlights include surround sound wiring, under-stair storage, front & rear irrigation, & a garage freezer that conveys.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $343,647 | $253,032 | — |
| 2024 | $344,288 | $245,194 | — |
| 2023 | $331,302 | $236,597 | — |
| 2022 | $278,250 | $228,250 | ▼ $20,362 |
| 2021 | $249,714 | $249,714 | — |
| 2020 | $45,000 | $44,421 | ▲ $6,500 |
2025 property taxes (current owner): $5,036/yr
Estimated taxes if purchased at asking price: ~$7,200/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 D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — year not disclosed (home built 2020)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,733 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 homeAs 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 17, 2026Listed$367,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines