This home is in Jacksonville.

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Active

Active·76 days on market

12481 Royal Red Way

Jacksonville, FL 32226

$519,900$196/sqftEst. $2,651/moMLS# 2143491

Beds

Baths

2,659

Sq Ft

2025

Built

Garage

Pool

About this home

Jacksonville

Built in 2025 with over $40K in upgrades already completed for the next owner. Recently appraised and priced below appraisal w/ VA assumable loan of 5.85%. Better than new & located on a cul-de-sac in Wingate Landing, this 4BR/3BA home offers 2,659 sq ft, a 3-car garage, and a desirable 3-way split floor plan w/ private guest suite and ensuite bath. Designed for both everyday living and entertaining, the open layout features a gas range, double ovens, spacious pantry, oversized dining area, and large gathering room. The primary suite includes a custom walk-in closet and upgraded walk-in shower. Unlike many new construction homes, this property already includes a fully fenced backyard, enclosed lanai, coated garage and lanai flooring, tankless water heater, EV charging outlet, extended driveway, attic and overhead garage storage, gutters, professional landscape edging, soffit outlets for seasonal lighting, & pre-plumbed water softener loop. Wingate Landing amenities incl playground

Cost to own

Mortgage calculator

Home Price

$519,900

Down Payment: 20%

$103,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,651

Principal & Interest: $2,651

Property taxes (est.): $849

Insurance (est.): $347

Estimated Total Monthly

$3,846

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,651

Property taxesest. at asking price, Duval County$849

HOAbilled monthly$106

Estimated total, before insurance$3,606/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,243/yr · $104/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

Year	Market value	Taxable value	Change
2025	$65,000	$65,000	—
2024	$65,000	$65,000	—

2025 property taxes (current owner): $1,243/yr

Estimated taxes if purchased at asking price: ~$10,200/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.

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 D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: material not specified — year not disclosed (home built 2025)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,651 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

As 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