This home is in Jacksonville.

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Pending

Pending·76 days on market

12301 Kernan Forest Boulevard 1808

Jacksonville, FL 32225

$214,000$171/sqftEst. $1,139/moMLS# 2143228

Beds

Baths

1,250

Sq Ft

2005

Built

Garage

Pool

About this home

Jacksonville

Welcome home to this beautifully updated first-floor condo in the gated Hammock Grove community at Kernan Forest, offering comfort, style, and convenience. This meticulously maintained 3-bedroom, 2-bath unit features new flooring throughout--no carpet--for a clean, modern feel. The well-appointed kitchen offers ample cabinetry and a built-in pantry, ideal for everyday living and entertaining. A desirable split floor plan provides added privacy, with a spacious primary suite featuring a walk-in closet and private bath. The open living and dining areas flow seamlessly to a screened, enclosed patio--perfect for morning coffee or relaxing evenings. Additional highlights include in-unit laundry and direct indoor access to a one-car attached garage. Enjoy resort-style amenities in a quiet, gated setting, conveniently located between the beaches and downtown Jacksonville with easy access to I-295, St. Johns Town Center, UNF, and more.

Cost to own

Mortgage calculator

Home Price

$214,000

Down Payment: 20%

$42,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,088

Principal & Interest: $1,088

Est. Taxes & Insurance: $272

Estimated Total Monthly

$1,360

*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$1,139

Property taxesest. at asking price, Duval County$349

HOAbilled monthly$320

Estimated total, before insurance$1,808/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	$199,000	$138,135	—
2024	$199,000	$133,535	—
2023	$199,000	$128,190	—
2022	$173,000	$123,000	—
2021	$134,000	$46,738	—
2020	$130,000	$45,396	▲ $5,000

2025 property taxes (current owner): $2,634/yr

Estimated taxes if purchased at asking price: ~$4,200/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.