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This home is in Jacksonville — a waterfront home in Jacksonville.

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Active

Active·114 days on market

1512 Tan Tara Trail

Jacksonville, FL 32221

$405,000$150/sqftEst. $2,080/moMLS# 2142688

Beds

Baths

2,706

Sq Ft

2022

Built

Garage

Pool

About this home

Jacksonville

Who doesn't love a home that's only 4 years old? Built in 2022, this home has all the features you could want at an UNBEATABLE PRICE. Situated on a 1/4 acre lot, this 2-story home in Panther Creek has so much to brag about. Highlights: Bonus/flex room downstairs (plus another bedroom and full bath downstairs as well), an open floor plan, tons of natural lighting, high ceilings, stainless steel appliances, plenty of storage closets, brand new sod, and a 20x25 2-car garage. Upstairs you'll find a spacious open loft, a laundry room (yes W/D is included!), an oversized master bedroom with two large walk-in closets, and two additional bedrooms.

Cost to own

Mortgage calculator

Home Price

$405,000

Down Payment: 20%

$81,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,080

Principal & Interest: $2,080

Property taxes (est.): $661

Insurance (est.): $270

Estimated Total Monthly

$3,011

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,080

Property taxesest. at asking price, Duval County$661

HOAbilled annually$36

Estimated total, before insurance$2,778/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,883/yr · $574/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

2025 property taxes (current owner): $6,883/yr

Estimated taxes if purchased at asking price: ~$7,900/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, 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 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 August 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 30, 2026Listed$405,000

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

Features

Price$405,000

Price / Sq Ft$150

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,706

Acres0.28 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address1512 Tan Tara Trail, Jacksonville, FL 32221

Area065-Panther Creek/Adams Lake/Duval County-SW

SubdivisionPanther Creek

CityJacksonville

CountyDuval

StateFL

Zip Code32221

Lot Size12,196.8 sq ft

Parcel Number0018605825

Amenities

AmenitiesPool, Clubhouse, Dog Park, Golf Course, Pickleball, Playground

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener, On Street

ViewPond, Trees/Woods

Waterfront TypePond

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Vinyl

# of Stories2

LevelsTwo

LaundryUpper Level

Security24 Hour Security, Smoke Detector(s)