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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Wells Creek, Jacksonville — a home near Atlantic Coast High School.

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Pending

Pending·149 days on market·Wells Creek

13714 Harlowton Avenue

Jacksonville, FL 32256

$492,000$206/sqftEst. $2,725/moMLS# 2146766
4
Beds
2.5
Baths
2,385
Sq Ft
2020
Built
2
Garage
No
Pool

28 more homes for sale in Wells Creek →Search Wells Creek on the map

FEMA Zone XHOA $71/moSingle Family Residence2 stories

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Wells Creek

Stunning two-story home, nestled on a serene preserve, offers 4 spacious bedrooms, 2.5 baths PLUS an office & PLUS a loft, making it perfect for family living and entertaining. The property boasts excellent curb appeal with charming exterior and manicured landscaping. The kitchen is a chefs dream, featuring sleek stainless steel appliances, a gas stove, and beautiful granite countertops. The living spaces are equally impressive with numerous upgrades, including custom closets throughout, enhancing both style and storage. Upgrades lighting and ceiling fans throughout with smart home features, also including irrigation, door bell, cameras, thermostat, and range/oven. The large, fully fenced backyard offers privacy and space for outdoor activities, and the porch is conveniently plumbed for a gas grill, making it ideal for family cookouts. Call today to schedule your private showing!

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,725
Property taxesest. at asking price, Duval County$803
HOAbilled quarterly$71
Estimated total, before insurance$3,600/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,144/yr · $345/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$492,000
$98,400
Loan Term
Monthly Payment
$2,725
Principal & Interest: $2,725
Property taxes (est.): $803
Insurance (est.): $328
Estimated Total Monthly
$3,857
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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 2020)

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

Solar potential: ~1,738 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,144/yr

Estimated taxes if purchased at asking price: ~$9,600/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, NEFMLS.

History

Price & status history

  • Aug 1, 2026Pending$492,000
  • May 22, 2026Listed$492,000

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 $215/sq ft; this home is listed at $206/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
12017 Heyler Street, Jacksonville, FL 32256Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTOct 2026$470,000$1974/2.52,3851350.1
13822 Harlowton Avenue, Jacksonville, FL 32256Listed by PICKETT HOME ADVISORS, LLCSep 2026$585,000$1994/3.52,9331430.1
13756 Harlowton Avenue, Jacksonville, FL 32256Listed by 1 REALTY CORPAug 2026$440,000$2153/2.52,04230.1
13863 Holsinger Boulevard, Jacksonville, FL 32256Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$505,000$1875/32,696390.3
12157 Mariposa Avenue, Jacksonville, FL 32256Listed by WEEKLEY HOMES REALTYAug 2026$760,000$2664/32,8521640.3
12030 Mariposa Avenue, Jacksonville, FL 32256Listed by PROVIDENCE REALTY, LLCSep 2026$699,000$2914/3.52,398340.4

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

Price$492,000
Price / Sq Ft$206
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,385
Year Built2020
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary
Property ConditionUpdated/Remodeled
StatusPending
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address13714 Harlowton Avenue, Jacksonville, FL 32256
Area028-Bayard
SubdivisionWells Creek
CityJacksonville
CountyDuval
StateFL
Zip Code32256
Parcel Number1681242925
ZoningResidential

Amenities

AmenitiesPool, Jogging Path, Playground
UtilitiesCable Available, Cable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Disposal, Gas Range, Gas Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryUpper Level
Security24 Hour Security

Exterior

Patio / PorchRear Porch
FencingFenced, Vinyl
RoofShingle
ConstructionComposition Siding

Additional Information

Date ListedMay 22, 2026
Days on Market70
HOA Fees$213 / Quarterly
HOA FrequencyQuarterly
Tax Amount$4,143.88
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HERRON REAL ESTATE 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.

The neighborhood

About Wells Creek

Wells Creek is a neighborhood in Jacksonville, FL (Duval County), ZIP 32256.

View all Wells Creek homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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