This home is in Jacksonville.

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Active

Active·58 days on market

12771 River Story Court

Jacksonville, FL 32223

$1,849,000$433/sqftEst. $9,398/moMLS# 2146736

Beds

Baths

4,271

Sq Ft

2026

Built

Garage

Pool

About this home

Jacksonville

Welcome to your stunning new home, currently under construction by J.A. Long,Inc a renowned custom builder known for quality and attention to detail. Located in an ideal gated community along the St.Johns River in Mandarin. This home is designed for both comfort and style. Enjoy rich, detailed finishes throughout an open concept layout that flows beautifully for everyday living and entertaining. The chef's kitchen is a true centerpiece complete with high-end features and a separate Service Kitchen - perfect for hosting and meal prep. Appliances included: 48'' Built-in fridges, Secondary fridge, gas range-top, range hood, convection oven, speed oven/micro, dishwashers, and wine fridge. This exceptional property offers a 4-car garage, providing ample space for vehicles and storage. Step outside to a covered lanai overlooking a spacious backyard with plenty of room for a future pool and play area creating the perfect outdoor retreat.

Cost to own

Mortgage calculator

Home Price

$1,849,000

Down Payment: 20%

$369,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$9,398

Principal & Interest: $9,398

Est. Taxes & Insurance: $2,350

Estimated Total Monthly

$11,748

*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$9,398

Property taxesest. at asking price, Duval County$3,019

HOAbilled annually$242

Estimated total, before insurance$12,659/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

Year	Market value	Taxable value	Change
2025	$352,600	$233,662	—
2024	$212,420	$212,420	—
2023	$212,420	$212,420	—
2022	$212,420	$212,420	—
2021	$193,500	$193,500	—
2020	$193,500	$193,500	▼ $21,500

Estimated taxes if purchased at asking price: ~$36,200/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 D

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

Roof: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~838 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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 22, 2026Listed$1,849,000

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

Features

Price$1,849,000

Price / Sq Ft$433

Bedrooms5

Bathrooms5.00

Full Baths5

Square Footage4,271

Total Structure Area6,273 sq ft

Acres0.87 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman, Ranch

Property ConditionUnder Construction

StatusActive

# of Garages4

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Direction FacesEast

School Information

ElementaryLoretto

MiddleMandarin

HighMandarin

Community Information

Address12771 River Story Court, Jacksonville, FL 32223

Area014-Mandarin

SubdivisionRiver Story

CityJacksonville

CountyDuval

StateFL

Zip Code32223

Lot Size37,897.2 sq ft

Lot Dimensions37,766 sf

Parcel Number1060990530

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Natural Gas Not Available, Sewer Connected, Water Available, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

Green / EnergyHVAC, Windows

ParkingAttached, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Gas Cooktop, Gas Oven, Gas Water Heater, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater, Wine Cooler

HeatingCentral, Heat Pump, Zoned

CoolingCentral Air, Zoned

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

SecurityCarbon Monoxide Detector(s), Security System Owned, Smoke Detector(s)