This home is in Jacksonville.
Active·86 days on market
12311 Kensington Lakes Drive 1106
Jacksonville, FL 32246
About this home
Jacksonville
Beautifully updated end-unit condo in the heart of Jacksonville! This light-filled 2BR/2.5 BA offers added privacy and extra windows that only an end unit can provide. Recent improvements include new flooring, creating a clean, modern feel throughout. The open-concept living and dining area flows seamlessly to a private balcony--perfect for relaxing or entertaining. Spacious bedrooms with ample closet space, and a functional layout ideal for primary residence or investment. Conveniently located near shopping, dining, major highways, and just a short drive to the beaches. Low-maintenance living with community amenities included.
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, 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 | $176,000 | $146,190 | ▼ $3,500 |
| 2024 | $179,500 | $132,900 | — |
| 2023 | $179,500 | $120,819 | — |
| 2022 | $146,000 | $109,836 | — |
| 2021 | $111,000 | $99,851 | — |
| 2020 | $108,000 | $90,774 | — |
2025 property taxes (current owner): $2,803/yr
Estimated taxes if purchased at asking price: ~$3,400/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 (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: Shingle — year not disclosed (home built 1999)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely sewer · part of complex with utility sewer · Public water · part of complex with utility water
County records indicate this parcel on central sewer served by part of complex with utility sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,799 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 homeInformational 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
- Apr 22, 2026Listed$175,000
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: MOMENTUM REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines