This home is in Johns Creek, Jacksonville.

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Active Under Contract

Active Under Contract·55 days on market·Johns Creek

12826 Kelsey Island Drive

Jacksonville, FL 32224

$505,000$269/sqftEst. $2,688/moMLS# 2146779

Beds

Baths

1,880

Sq Ft

1998

Built

Garage

Pool

About this home

Johns Creek

Beautifully updated and impeccably maintained, this spacious home welcomes you with soaring vaulted ceilings, rich wood-look flooring throughout the main living areas, and an abundance of natural light. The thoughtfully designed floor plan offers both versatility and comfort with multiple living and flex spaces ideal for today's lifestyle. The inviting family room features a stunning overview of the backyard that is so perfectly curated for outdoor dinners and relaxation. The seamless flow into the kitchen and dining areas, creating the perfect setting for entertaining or everyday living. The beautifully refreshed kitchen is complete with granite countertops, painted cabinetry, stainless steel appliances, breakfast bar seating, and generous prep and storage space. The oversized front flex room offers endless possibilities and can easily function as a formal living room, dining room, home office, playroom, or media space.

Cost to own

Mortgage calculator

Home Price

$505,000

Down Payment: 20%

$101,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,567

Principal & Interest: $2,567

Est. Taxes & Insurance: $642

Estimated Total Monthly

$3,209

*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 · 7.0% · 30yr$2,688

Property taxesest. at asking price, Duval County$825

HOAbilled annually$30

Estimated total, before insurance$3,542/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	$400,131	$248,695	▲ $35,263
2024	$366,044	$240,979	▼ $10,204
2023	$389,812	$232,504	▲ $40,704
2022	$336,719	$224,276	—
2021	$266,288	$216,288	—
2020	$252,464	$252,464	▲ $3,663

2025 property taxes (current owner): $4,941/yr

Estimated taxes if purchased at asking price: ~$9,900/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 E

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

Roof: Shingle — year not disclosed (home built 1998)

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: ~1,560 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History