This home is in Jacksonville.

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Active

Active·94 days on market

12339 Clapboard Bluff Trail

Jacksonville, FL 32226

$410,000$227/sqftEst. $2,090/moMLS# 2141693

Beds

Baths

1,810

Sq Ft

2022

Built

Garage

Pool

About this home

Jacksonville

***$2,500 Seller Concession offered*** Turnkey 4-Bedroom Home in Desirable Pulte Community w/Water Access! Welcome home to this beautifully maintained, move-in-ready four-bedroom residence nestled in a newer Pulte-built community-peacefully tucked away from the hustle & bustle, yet conveniently located near everything Jacksonville has to offer. Just minutes from Jacksonville International Airport, River City Marketplace, Blount Island, NS Mayport, NAS Jacksonville, JAXPORT, the cruise terminal, and easy access to I-295 and I-95. Enjoy a low-maintenance yard that frees up your time for outdoor living. Kayak enthusiasts will love the private community launch on Clapboard Creek, along w/amenities including a large playground, scenic walking trails, & tranquil ponds throughout. Step outside to an extended screened porch featuring river rock epoxy flooring & charming flower boxes along a vinyl privacy fence-perfect for relaxing or entertaining. Inside, the home boasts luxury vinyl plank

Cost to own

Mortgage calculator

Home Price

$410,000

Down Payment: 20%

$82,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,090

Principal & Interest: $2,090

Property taxes (est.): $670

Insurance (est.): $273

Estimated Total Monthly

$3,033

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,090

Property taxesest. at asking price, Duval County$669

HOAbilled monthly$72

Estimated total, before insurance$2,832/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,409/yr · $451/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

Last sold: $394,500 in November 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$328,931	$274,065	—
2024	$315,634	$265,634	▲ $5,998
2023	$307,548	$307,548	▲ $10,545
2022	$65,000	$63,532	—

2025 property taxes (current owner): $5,409/yr

Estimated taxes if purchased at asking price: ~$8,000/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 2022)

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

Solar potential: ~1,741 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

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

Jul 27, 2026Price change$410,000−$7,500
Apr 24, 2026Listed$417,500

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

Features

Price$410,000

Price / Sq Ft$227

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,810

Acres0.17 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryNew Berlin

MiddleOceanway

HighFirst Coast

Community Information

Address12339 Clapboard Bluff Trail, Jacksonville, FL 32226

Area096-Ft George/Blount Island/Cedar Point

SubdivisionBradley Pond

CityJacksonville

CountyDuval

StateFL

Zip Code32226

Lot Size7,405.2 sq ft

Lot Dimensions70 x 105

Parcel Number1598561150

ZoningPUD

Amenities

AmenitiesBoat Launch, Jogging Path, Management - Full Time, Management - Off Site, Playground

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Oven, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile, Vinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit

SecuritySecurity System Owned, Smoke Detector(s)