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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville.

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Sold

Sold·Closed Jun 18, 2026·15 days on market·Recent sales in Jacksonville

12564 Kernan Forest Boulevard

Jacksonville, FL 32225

$480,000sold priceListed at $499,000 · 96.2% of asking$206/sqftMLS# 2142618
4
Beds
3
Baths
2,328
Sq Ft
2004
Built
2
Garage
No
Pool
HOA $40/moSingle Family Residence2 stories

About this home

Jacksonville

Spacious and beautifully designed 4-bedroom, 3-bath home located in the sought-after Kernan Forest community. Homes lives like a 1 story plus Bonus room upstairs! Versatile layout and generous living spaces, this home is perfect for both everyday living and entertaining. The first floor features tile flooring throughout, with a formal living room and dining room, as well as alarge open family room that flows seamlessly into the kitchen. The kitchen is equipped with a breakfast bar counter, ample cabinetry, and a bright eat-in dining area. The primary suite is conveniently located on the first floor and offers a relaxing retreat with double vanities, a garden tub, a separate walk-in shower, and plenty of space and walk in closet plus linen closet. Upstairs, you'll find an additional bedroom and full bath, ideal for guests, a private office, or flexible living space w/ large closet. Step outside to enjoy the fully fenced backyard, offering privacy and room to relax, play, or entertain.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,659
Property taxesest. at asking price, Duval County$784
HOAbilled annually$40
Estimated total, before insurance$3,483/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,798/yr · $483/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$480,000
$96,000
Loan Term
Monthly Payment
$2,659
Principal & Interest: $2,659
Property taxes (est.): $784
Insurance (est.): $320
Estimated Total Monthly
$3,762
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2004)

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

Solar potential: ~1,769 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

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.

Cost to own

Taxes & assessment

Last sold: $400,000 in October 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$347,686$296,964—
2024$338,520$288,520▲ $20,000
2023$344,951$165,936—
2022$293,868$159,647—
2021$243,070$153,541—
2020$230,815$150,731▲ $15,350

2025 property taxes (current owner): $5,798/yr

Estimated taxes if purchased at asking price: ~$9,400/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.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $238/sq ft; this home is listed at $214/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1716 Chandelier Circle W, Jacksonville, FL 32225Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEAug 2026$428,000$2384/21,800340.2
1693 Timber Crossing Lane, Jacksonville, FL 32225Listed by HERRON REAL ESTATE LLCAug 2026$500,000$1764/32,841200.3
13813 Pleasantview Drive N, Jacksonville, FL 32225Listed by MOMENTUM REALTYSep 2026$480,000$2923/21,644500.6
12392 Nesting Eagles Way, Jacksonville, FL 32225Listed by TAH FLORIDA LLCAug 2026$369,000$2164/21,711580.6
12424 Tierra Chase Way, Jacksonville, FL 32225Listed by REDFIN CORPORATIONAug 2026$595,000$2234/32,665380.7
13839 Spanish Marsh Trail, Jacksonville, FL 32225Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$655,000$2433/2.52,697140.8

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$499,000
Price / Sq Ft$214
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,328
Year Built2004
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address12564 Kernan Forest Boulevard, Jacksonville, FL 32225
Area043-Intracoastal West-North Of Atlantic Blvd
SubdivisionKernan Forest
CityJacksonville
CountyDuval
StateFL
Zip Code32225
Parcel Number1610202880
ZoningPUD

Amenities

Community FeaturesSidewalks, Street Lights
UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected
Water SourcePublic
ParkingGarage Door Opener
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup

Exterior

Lot DescriptionSprinklers In Rear
Patio / PorchCovered, Screened
FencingVinyl
RoofShingle
ConstructionFrame, Stucco
Road SurfaceAsphalt

Additional Information

Date ListedApril 30, 2026
Days on Market15
HOA Fees$480 / Annually
HOA FrequencyAnnually
Tax Amount$5,797.55
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EXP REALTY LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 18, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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