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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Johns Creek, Jacksonville.

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Sold

Sold·Closed Jun 26, 2026·18 days on market·Recent sales in Johns Creek·Johns Creek

12898 Quincy Bay Drive

Jacksonville, FL 32224

$428,000sold priceListed at $425,000 · 100.7% of asking$226/sqftMLS# 2143962
3
Beds
2
Baths
1,894
Sq Ft
1998
Built
2
Garage
No
Pool

16 more homes for sale in Johns Creek →Search Johns Creek on the map

HOA $33/mo7,841 sqft lotSingle Family Residence1 story

About this home

Johns Creek

Don't miss this opportunity! Well-maintained 3BR/2BA home offering 1,894 sq. ft. in the highly desirable Intracoastal West area of Jacksonville Florida. Situated on a beautiful lot, this home is directly across from the neighborhood amenities, including the community pool and playground for added convenience and enjoyment. The functional floor plan features spacious living areas, a large primary suite with an oversized bathroom, and comfortable secondary bedrooms. The kitchen opens to the main living space, creating an easy flow for everyday living and entertaining. Enjoy being just minutes from Jacksonville's beaches, shopping, dining, and major medical facilities, with convenient access to JTB and the Town Center area. Whether you are looking for a primary residence or an investment opportunity, this home offers a great combination of location, space, and value in one of Jacksonville's most convenient areas.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,371
Property taxesest. at asking price, Duval County$699
HOAbilled annually$33
Estimated total, before insurance$3,103/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,820/yr · $568/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$428,000
$85,600
Loan Term
Monthly Payment
$2,371
Principal & Interest: $2,371
Property taxes (est.): $699
Insurance (est.): $285
Estimated Total Monthly
$3,355
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

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

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

Solar potential: ~1,782 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

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$371,797$359,363▲ $33,289
2024$339,483$326,694▼ $9,176
2023$360,779$296,995▲ $39,643
2022$310,079$269,996—
2021$245,451$245,451—
2020$232,971$232,971▲ $3,794

2025 property taxes (current owner): $6,820/yr

Estimated taxes if purchased at asking price: ~$8,400/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.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $278/sq ft; this home is listed at $224/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
12968 Chets Creek Drive N, Jacksonville, FL 32224Listed by UNITED REAL ESTATE GALLERYSep 2026$469,000$2523/21,85820.1
13093 S Chets Creek Drive, Jacksonville, FL 32224Listed by EXIT MAGNOLIA POINT REALTYAug 2026$570,000$2584/22,210650.3
12829 Biggin Church Road S, Jacksonville, FL 32224Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$692,000$3044/32,276620.5
4577 Pebble Brook Drive, Jacksonville, FL 32224Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$640,000$2785/32,302130.7
12561 Bent Bay Trail, Jacksonville, FL 32224Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTOct 2026$470,470$2544/21,855131
4078 Glenhurst Drive N, Jacksonville, FL 32224Listed by FLUID REALTY, LLC.Sep 2026$626,025$2963/22,11431

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$425,000
Price / Sq Ft$224
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,894
Acres0.18 acres
Year Built1998
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address12898 Quincy Bay Drive, Jacksonville, FL 32224
Area026-Intracoastal West-South Of Beach Blvd
SubdivisionJohns Creek
CityJacksonville
CountyDuval
StateFL
Zip Code32224
Lot Size7,840.8 sq ft
Parcel Number1671313225

Amenities

AmenitiesPool, Playground
UtilitiesCable Available, Electricity Available, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator
HeatingHeat Pump
CoolingCentral Air
FlooringCarpet, Laminate, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Patio / PorchPatio
RoofShingle
ConstructionFiber Cement

Additional Information

Date ListedMay 7, 2026
Days on Market18
HOA Fees$396 / Annually
HOA FrequencyAnnually
Tax Amount$6,820.39
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Johns Creek

Johns Creek is a neighborhood in Jacksonville, FL (Duval County), ZIP 32224.

View all Johns Creek homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 26, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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