This home is in Wells Creek, Jacksonville.

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Pending

Pending·65 days on market·Wells Creek

13162 Dunwick Road

Jacksonville, FL 32256

$484,999$239/sqftEst. $2,465/moMLS# 2145704

Beds

Baths

2,032

Sq Ft

2022

Built

Garage

Pool

About this home

Wells Creek

This RARE and highly sought-after floorplan features 4 bedrooms and 3 FULL bathrooms built in 2022, a layout you rarely see come available in Wells Creek! NO CDD FEES! Designed with clean, modern finishes throughout, this home effortlessly blends elevated style with everyday comfort. Enjoy peaceful pond and preserve views from the extended screened-in lanai, creating the perfect backdrop for slow mornings, wine nights, and everything in between. One of the most unique features of this homesite is the oversized easement to the right of the property, giving the feel of an extra-large yard with added privacy and endless room to play, entertain, or unwind. Inside, you'll find 42'' shaker cabinetry, Quartz countertops throughout, luxury vinyl plank flooring, and a bright, open-concept layout that feels both polished and inviting. Enjoy resort-style amenities including a pool, pavilion, playground, paw park, and expansive green spaces, all minutes from shopping, dining, top-rated schools!

Cost to own

Mortgage calculator

Home Price

$484,999

Down Payment: 20%

$97,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,465

Principal & Interest: $2,465

Est. Taxes & Insurance: $616

Estimated Total Monthly

$3,081

*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$2,465

Property taxesest. at asking price, Duval County$792

HOAbilled quarterly$83

Estimated total, before insurance$3,340/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: $542,500 in October 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$426,475	$0	—
2024	$403,371	$353,371	▲ $5,000
2023	$403,879	$403,879	▲ $43,545
2022	$70,000	$70,000	—

2025 property taxes (current owner): $384/yr

Estimated taxes if purchased at asking price: ~$9,500/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 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

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.