This home is in Jacksonville — a pool home in Jacksonville.
Active·121 days on market
12827 Ft Caroline Road
Jacksonville, FL 32225
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
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, 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
| 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 homeAs 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
- May 1, 2026Listed$7,875,000
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: WATSON REALTY CORP
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines