This home is in Wells Creek, Jacksonville.

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Active

Active·66 days on market·Wells Creek

13192 Dunwick Road

Jacksonville, FL 32256

$544,900$222/sqftEst. $2,770/moMLS# 2144428

Beds

Baths

2,452

Sq Ft

2022

Built

2.5

Garage

Pool

About this home

Wells Creek

4BR/2.5BA plus office waterfront in Wells Creek! This beautifully maintained Willow floor plan in the highly desirable Wells Creek community was built in 2022 and offers modern style with peaceful pond views! The open-concept layout features luxury vinyl plank flooring and an extended screened lanai overlooking a large fenced backyard--perfect for enjoying Florida sunsets. The chef's kitchen includes quartz countertops, a large island, soft-close cabinetry, gas range, walk-in pantry, and stainless steel appliances. A spacious 2.5-car tandem garage provides exceptional storage with epoxy floors, overhead racks, wall-slat storage, and a retractable privacy screen. Gutters and a water softener add to the home's move-in-ready appeal. Wells Creek offers resort-style amenities including a saltwater pool, pavilion, dog park, playground, and green space with NO CDD fee, plus easy access to major highways. Assumable VA loan available for qualified buyers!

Cost to own

Mortgage calculator

Home Price

$544,900

Down Payment: 20%

$108,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,770

Principal & Interest: $2,770

Est. Taxes & Insurance: $692

Estimated Total Monthly

$3,462

*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 · 6.55% · 30yr$2,770

Property taxesest. at asking price, Duval County$890

HOAbilled quarterly$83

Estimated total, before insurance$3,742/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

Last sold: $570,000 in October 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$467,281	$404,670	—
2024	$442,558	$392,558	▲ $5,000
2023	$444,972	$394,972	▲ $48,910
2022	$70,000	$70,000	—

2025 property taxes (current owner): $7,726/yr

Estimated taxes if purchased at asking price: ~$10,700/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 E

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

Roof: Shingle — year not disclosed (home built 2022)

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

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

May 15, 2026Listed$544,900

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

Features

Price$544,900

Price / Sq Ft$222

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,452

Acres0.15 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman, Patio Home

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2.5

Has PoolNo

Is WaterfrontYes

Direction FacesNortheast

School Information

ElementaryBartram Springs

MiddleTwin Lakes Academy

HighAtlantic Coast

Community Information

Address13192 Dunwick Road, Jacksonville, FL 32256

Area028-Bayard

SubdivisionWells Creek

CityJacksonville

CountyDuval

StateFL

Zip Code32256

Lot Size6,534 sq ft

Parcel Number1681245200

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Dog Park, Jogging Path, Park, Playground

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewLake, Pond, Water

Waterfront TypeLagoon, Lake Front, Pond

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Cooktop, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Upper Level, Washer Hookup

SecuritySmoke Detector(s)