This home is in Jacksonville.
Pending·62 days on market
12311 Kensington Lakes Drive 2102
Jacksonville, FL 32246
About this home
Jacksonville
Beautiful 2/1.5 TH view water views from large screened in balcony with extra storage. Great gated community centrally located with residential homes with new LVP flooring on entire ground floor. Nice stainless appliances and new dishwasher 2026. Brand new HVAC 2026 and new carpet on the stairs and upstairs. Nice large oversized bath with tile and master bedroom has nice views of the lake from the window. Vaulted ceilings and master closet runs the length of the bedroom. You wont be disappointed in this freshly painted unit with new bathroom fixtures and ceiling fans in every room. Move in ready unit with one assigned parking spot and reasonable HOA fees. Close to schools, shopping and community pool right next to this building walking distance with mailboxes. Vacant and easy to show!
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $176,000 | $130,235 | ▼ $3,500 |
| 2024 | $179,500 | $118,396 | — |
| 2023 | $179,500 | $107,633 | — |
| 2022 | $146,000 | $97,849 | — |
| 2021 | $111,000 | $88,954 | — |
| 2020 | $102,000 | $80,868 | — |
2025 property taxes (current owner): $2,621/yr
Estimated taxes if purchased at asking price: ~$3,300/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.
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 1999)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,813 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 homeInformational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: INI REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
Broker Associate
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