This home is in Wells Creek, Jacksonville.

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Active

Active·58 days on market·Wells Creek

13714 Harlowton Avenue

Jacksonville, FL 32256

$492,000$206/sqftEst. $2,501/moMLS# 2146766

Beds

Baths

2,385

Sq Ft

2020

Built

Garage

Pool

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!

Cost to own

Mortgage calculator

Home Price

$492,000

Down Payment: 20%

$98,400

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,501

Principal & Interest: $2,501

Est. Taxes & Insurance: $625

Estimated Total Monthly

$3,126

*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$2,501

Property taxesest. at asking price, Duval County$803

HOAbilled quarterly$71

Estimated total, before insurance$3,375/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

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.

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.

History

Price & status history

May 22, 2026Listed$492,000

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

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

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryBartram Springs

MiddleTwin Lakes Academy

HighAtlantic Coast

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