This home is in Jacksonville.

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Active Under Contract

Active Under Contract·67 days on market

13349 Stone Pond Drive

Jacksonville, FL 32224

$344,444$205/sqftEst. $1,756/moMLS# 2146242

Beds

Baths

1,682

Sq Ft

2006

Built

Garage

Pool

About this home

Jacksonville

Welcome to leisurely living minutes from the ocean in this freshly painted open concept townhome with the best rare secluded lake view and green space within the gated community of Wolf Creek. This spacious updated three bedroom, two-and-a-half bath townhome has add'l special features including newer HVAC and solar attic fan, luxury vinyl flooring throughout, a garden walkway entrance and roomy garage. Inside, a thoughtfully designed main level features the chef-inspired kitchen with hard-surface counter tops, black and stainless appliances, abundant cabinet and pantry space. The kitchen flows seamlessly into a spacious dining area plus an oversized family room with tons of space for fam and friend gatherings. The tranquil screened lanai overlooks the pond and preserve where you can convene with nature for morning coffee, al fresco dining or just relaxing in your very own retreat!

Cost to own

Mortgage calculator

Home Price

$344,444

Down Payment: 20%

$68,889

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,756

Principal & Interest: $1,756

Property taxes (est.): $562

Insurance (est.): $230

Estimated Total Monthly

$2,548

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,756

Property taxesest. at asking price, Duval County$562

HOAbilled monthly$278

Estimated total, before insurance$2,597/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,211/yr · $268/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	$293,517	$171,800	—
2024	$274,844	$166,251	—
2023	$295,604	$159,953	—
2022	$260,568	$153,838	—
2021	$202,185	$147,901	▼ $5,654
2020	$197,898	$145,169	▲ $7,082

2025 property taxes (current owner): $3,211/yr

Estimated taxes if purchased at asking price: ~$6,700/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2006)

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

Sewer (public record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,802 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

May 20, 2026Listed$344,444

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

Features

Price$344,444

Price / Sq Ft$205

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,682

Acres0.04 acres

Year Built2006

TypeResidential

Sub-TypeTownhouse

StatusActive Under Contract

# of Garages1

Has PoolNo

Is WaterfrontYes

School Information

ElementaryChets Creek

MiddleKernan

Community Information

Address13349 Stone Pond Drive, Jacksonville, FL 32224

Area026-Intracoastal West-South Of Beach Blvd

SubdivisionWolf Creek

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Lot Size1,742.4 sq ft

Parcel Number1670671700

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Security

UtilitiesElectricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAttached, Garage, Guest, Off Street

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDryer, Electric Range, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringTile, Vinyl

# of Stories2

LevelsTwo

LaundryUpper Level