This home is in Jacksonville — a home near Atlantic Coast High School.
Sold·Closed Jul 10, 2026·21 days on market·Recent sales in Jacksonville
12921 Ludo Road
Jacksonville, FL 32258
About this home
Jacksonville
Built just six years ago by Dream Finders, this well-priced home offers a smart, comfortable layout in an incredibly convenient location. A large foyer and glass front door create a welcoming first impression, leading into an open floor plan with great natural light and everyday functionality. The kitchen features quartz countertops, a large peninsula pre-wired for pendant lighting, tall cabinetry, stainless steel appliances, and a pantry, making it a great space for cooking, gathering, and entertaining. Upstairs, the spacious primary suite includes a walk-in closet and ensuite bath with dual vanities and a walk-in shower. A second full bathroom also serves the upstairs bedrooms, while the split floor plan offers added privacy. The laundry room is conveniently located upstairs and includes the washer and dryer. Downstairs, a half bath is perfectly placed for guests.
Next steps in Jacksonville
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, 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 2020)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,735 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 homeAs 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.
Cost to own
Taxes & assessment
Last sold: $315,000 in October 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $245,626 | $245,626 | — |
| 2024 | $264,671 | $264,671 | — |
| 2023 | $274,389 | $243,846 | — |
| 2022 | $221,679 | $221,679 | — |
| 2021 | $193,669 | $143,669 | ▲ $7,325 |
2025 property taxes (current owner): $4,711/yr
Estimated taxes if purchased at asking price: ~$5,100/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.
History
Price & status history
- Jul 10, 2026Closed$262,500
- Jul 8, 2026Pending$262,500
- May 21, 2026Listed$262,500
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $176/sq ft; this home is listed at $181/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 7153 Wallaby Way, Jacksonville, FL 32258Listed by MOXII PRO REALTY | Oct 2026 | $294,000 | $190 | 3/2.5 | 1,545 | 8 | 0.1 |
| 6908 Roundleaf Drive, Jacksonville, FL 32258Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $300,000 | $176 | 3/2.5 | 1,708 | 14 | 0.8 |
| 13414 English Peak Court, Jacksonville, FL 32258Listed by COMPLETE PROP MANAGEMENT LLC | Sep 2026 | $299,999 | $176 | 3/2.5 | 1,708 | 54 | 0.9 |
| 12949 Spring Rain Road, Jacksonville, FL 32258Listed by HOMESMART | Sep 2026 | $252,000 | $170 | 3/2.5 | 1,480 | 46 | 1.1 |
| 11795 Etteridge Drive, Jacksonville, FL 32256Listed by OLYMPUS EXECUTIVE REALTY, INC | Sep 2026 | $401,716 | $235 | 3/2.5 | 1,709 | 0 | 1.1 |
| 6545 Arching Branch Circle, Jacksonville, FL 32258Listed by MARK SPAIN REAL ESTATE | Oct 2026 | $214,000 | $171 | 2/2.5 | 1,248 | 19 | 1.2 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COMPASS FLORIDA LLC
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
Broker Associate
This home sold on Jul 10, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
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