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

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Active

Active·92 days on market

652 Spanish Wells Road

Jacksonville, FL 32218

$449,000$154/sqftEst. $2,315/moMLS# 2144105

Beds

Baths

2,907

Sq Ft

2005

Built

Garage

Yes

Pool

About this home

Jacksonville

Welcome to this spacious 5-bedroom pool home located in the highly desirable North Creek community in Jacksonville! Nestled on a wooded backyard homesite, this property offers the perfect combination of privacy, space, and outdoor living. Step outside into your own backyard retreat featuring a vinyl fenced yard and a private pool, creating the ideal setting for entertaining guests, relaxing weekends, or enjoying Florida living year round. The wooded backdrop adds an extra sense of peace and privacy rarely found. Inside, the home offers a functional and versatile layout with plenty of room for growing families, guests, home offices, or flex spaces to fit your lifestyle. Spacious living areas and comfortable bedrooms provide the perfect blend of comfort and convenience. North Creek residents enjoy access to outstanding community amenities including a resort-style pool, playground, tennis and pickleball courts, basketball court, walking areas, and RV/boat storage.

Cost to own

Mortgage calculator

Home Price

$449,000

Down Payment: 20%

$89,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,315

Principal & Interest: $2,315

Property taxes (est.): $733

Insurance (est.): $299

Estimated Total Monthly

$3,348

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,315

Property taxesest. at asking price, Duval County$733

HOAbilled quarterly$51

Estimated total, before insurance$3,099/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,669/yr · $472/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	$343,473	$289,706	▼ $11,961
2024	$356,394	$280,834	▲ $16,338
2023	$358,410	$271,199	—
2022	$311,844	$261,844	▲ $10,000
2021	$251,004	$169,511	—
2020	$243,496	$166,481	▲ $13,260

2025 property taxes (current owner): $5,669/yr

Estimated taxes if purchased at asking price: ~$8,800/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: Shingle — year not disclosed (home built 2005)

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: ~1,755 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 15, 2026Price change$449,000−$10,000
May 7, 2026Listed$459,000

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

Features

Price$449,000

Price / Sq Ft$154

Bedrooms5

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,907

Total Structure Area3,464 sq ft

Acres0.16 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleOther

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Fenced

Is WaterfrontNo

Community Information

Address652 Spanish Wells Road, Jacksonville, FL 32218

Area092-Oceanway/Pecan Park

SubdivisionNorth Creek

CityJacksonville

CountyDuval

StateFL

Zip Code32218

Lot Size6,969.6 sq ft

Parcel Number1066065750

ZoningPUD

Amenities

AmenitiesPool, Pickleball, RV/Boat Storage, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingGarage

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Microwave, Plumbed For Ice Maker, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Vinyl

# of Stories2

LaundryGas Dryer Hookup, Washer Hookup