Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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

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Active

Active·88 days on market

12623 Ash Harbor Drive

Jacksonville, FL 32224

$475,000$222/sqftEst. $2,422/moMLS# 2143865

Beds

Baths

2,136

Sq Ft

1998

Built

Garage

Pool

About this home

Jacksonville

Fresh and well designed updates make this one a must see! The recently renovated kitchen with center island and separate breakfast bar that connects to the spacious family room is the centerpiece of this treasure. The downstairs layout also includes a separate dining space and second den / playroom or great space for a home office, as well as a laundry room and half bath. Entertain in style on your large covered patio overlooking your spacious backyard and gorgeous lake views - where entertainment includes watching the otters play! LVP flooring upstairs welcomes you to four bedrooms, including the expansive primary suite that features two walk-in closets, soaking tub and walk-in shower. Second full bath upstairs services 3 additional bedrooms, which all include generous closet space. Ashton Hills offers close proximity to JTB and I-295, UNF. St Johns Town Center, Mayo Clinic, Downtown Jacksonville and area beaches. LOVE where you LIVE! Make this HOME today!

Cost to own

Mortgage calculator

Home Price

$475,000

Down Payment: 20%

$95,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,422

Principal & Interest: $2,422

Property taxes (est.): $776

Insurance (est.): $317

Estimated Total Monthly

$3,514

*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$2,422

Property taxesest. at asking price, Duval County$776

HOAbilled semi-annually$20

Estimated total, before insurance$3,218/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,902/yr · $409/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	$394,099	$246,507	—
2024	$395,531	$238,853	—
2023	$374,508	$230,440	—
2022	$327,153	$222,272	—
2021	$264,342	$214,342	—
2020	$253,224	$129,274	—

2025 property taxes (current owner): $4,902/yr

Estimated taxes if purchased at asking price: ~$9,300/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 1998)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

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

Solar potential: ~1,734 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

Price & status history

Jul 30, 2026Price change$475,000−$4,900
Jul 8, 2026Price change$479,900−$10,000
May 7, 2026Listed$489,900

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

Features

Price$475,000

Price / Sq Ft$222

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,136

Acres0.16 acres

Year Built1998

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryChets Creek

MiddleKernan

HighAtlantic Coast

Community Information

Address12623 Ash Harbor Drive, Jacksonville, FL 32224

Area026-Intracoastal West-South Of Beach Blvd

SubdivisionAshton Hills

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Lot Size6,969.6 sq ft

Parcel Number1674577260

Amenities

AmenitiesManagement - Off Site

UtilitiesCable Available

Water SourcePublic

ParkingGarage

ViewLake, Water

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringLaminate, Tile, Vinyl

# of Stories2

LevelsTwo

SecuritySmoke Detector(s)