Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville — a waterfront home in Jacksonville.

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Active

Active·73 days on market

12481 Turnberry Drive

Jacksonville, FL 32225

$699,900$229/sqftEst. $3,609/moMLS# 2147146

Beds

Baths

3,059

Sq Ft

1989

Built

Garage

Pool

About this home

Jacksonville

First time on the market! A lovingly maintained Hidden Hills gem! Come see this Move-in ready all brick home! Freshly painted throughout. Brand new neutral carpet in all the bedrooms. Beautiful family-friendly luxury vinyl floors (2022) in the family living areas and the kitchen. This spacious floor plan features large living and dining areas, a split-bedroom layout, oversized family room, and a sunroom designed to capture peaceful lake and golf course views. Exceptional room sizes and flexible spaces provide the perfect opportunity to blend classic architecture with today's design style. And the view! A treed lot on the lake with wide open views of the number one fairway. Beautifully private and peaceful on a cul-de-sac, this house is ready for its next family to enjoy. It's a short walk to the gorgeous community swimming pool, clubhouse, driving range, and tennis courts. You'll love all that Hidden Hills Country Club and Estates has to offer.

Cost to own

Mortgage calculator

Home Price

$699,900

Down Payment: 20%

$139,980

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,609

Principal & Interest: $3,609

Property taxes (est.): $1,143

Insurance (est.): $467

Estimated Total Monthly

$5,219

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.69% · 30yr$3,609

Property taxesest. at asking price, Duval County$1,143

HOAbilled annually$163

Estimated total, before insurance$4,915/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,266/yr · $772/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$500,446	$500,446	—
2024	$500,970	$288,358	—
2023	$517,868	$278,503	—
2022	$454,994	$268,935	—
2021	$365,155	$259,646	—
2020	$333,004	$255,371	—

2025 property taxes (current owner): $9,266/yr

Estimated taxes if purchased at asking price: ~$13,700/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 1989)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,778 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

Jul 8, 2026Price change$699,900−$15,100
May 26, 2026Listed$715,000

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

Features

Price$699,900

Price / Sq Ft$229

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage3,059

Acres0.35 acres

Year Built1989

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementarySabal Palm

MiddleLandmark

HighSandalwood

Community Information

Address12481 Turnberry Drive, Jacksonville, FL 32225

Area042-Ft Caroline

SubdivisionHidden Hills Cc

CityJacksonville

CountyDuval

StateFL

Zip Code32225

Lot Size15,246 sq ft

Lot Dimensions115X125X115X125

Parcel Number1602816995

ZoningResidential

Amenities

AmenitiesClubhouse, Gated, Golf Course, Maintenance Grounds

UtilitiesElectricity Connected, Sewer Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Jack and Jill Bath, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

SecurityGated with Guard, Smoke Detector(s)