This home is in Jacksonville.

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Active

Active·76 days on market

12827 Ft Caroline Road

Jacksonville, FL 32225

$7,875,000$929/sqftEst. $41,914/moMLS# 2142925

Beds

Baths

8,476

Sq Ft

1986

Built

Garage

Yes

Pool

About this home

Jacksonville

Panoramic views from this riverfront BLUFF Masterpiece, with rare truly DEEP water with easy access to the Atlantic Ocean. This high elevation home and property has been comprehensively & meticulously renovated providing peace of mind, spacious landscaped yard, and the tranquility and security of 1.53 acres of gated elegance. This iconic riverfront estate offers an unparalleled lifestyle of privacy, space and the serenity of nature. Perfectly blending luxury living with the expanse of natural surroundings, you can entertain, relax, or simply embrace prime waterfront with privacy and peace of mind. The gated drive leads to the gorgeous, stately brick home and room to enjoy the best that waterfront living has to offer. Natural slate stone roof. Marble & wood flooring, massive vaulted ceilings, state of the art kitchen, office & primary bedroom on first floor, and amazing dock & fully functional dockhouse. Centerpiece pool, hot tub and koi pond . Miles of nature trails nearby.

Cost to own

Mortgage calculator

Home Price

$7,875,000

Down Payment: 20%

$1,575,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$40,028

Principal & Interest: $40,028

Est. Taxes & Insurance: $10,007

Estimated Total Monthly

$50,035

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$41,914

Property taxesest. at asking price, Duval County$12,859

Estimated total, before insurance$54,773/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, 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	$3,479,545	$1,492,923	—
2024	$2,697,987	$1,450,141	▲ $839,499
2023	$1,913,938	$1,406,448	—
2022	$1,848,282	$1,364,028	▲ $226,380
2021	$1,391,248	$1,322,843	—
2020	$1,353,889	$1,303,889	▼ $407,718

2024 property taxes (current owner): $26,514/yr

Estimated taxes if purchased at asking price: ~$154,300/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Other — year not disclosed (home built 1986)

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

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

Informational 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

May 1, 2026Listed$7,875,000

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

Features

Price$7,875,000

Price / Sq Ft$929

Bedrooms7

Bathrooms6.50

Full Baths6

Half Baths1

Square Footage8,476

Acres1.53 acres

Year Built1986

TypeResidential

Sub-TypeSingle Family Residence

StyleMulti Generational

Property ConditionUpdated/Remodeled

StatusActive

# of Garages4

Has PoolYes

Pool FeaturesIn Ground, Electric Heat, Heated, Screen Enclosure

Is WaterfrontYes

School Information

MiddleSelect One

Community Information

Address12827 Ft Caroline Road, Jacksonville, FL 32225

Area042-Ft Caroline

SubdivisionSt Johns Bluff Est

CityJacksonville

CountyDuval

StateFL

Zip Code32225

Lot Size66,646.8 sq ft

Parcel Number1603250000

Amenities

UtilitiesCable Available, Electricity Available, Water Available, Propane

Water SourcePrivate, Well

ParkingAdditional Parking, Attached, Garage, Garage Door Opener

ViewRiver

Waterfront TypeNavigable Water, River Access, River Front

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Butler Pantry, Ceiling Fan(s), Central Vacuum, Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar, Wine Cellar

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Oven, Gas Cooktop, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned, Wine Cooler

HeatingCentral

CoolingCentral Air, Zoned

FlooringMarble, Stone, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LevelsTwo

Window FeaturesSkylight(s)

SecuritySecurity Gate

Spa FeaturesIn Ground, Heated