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

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Pending

Pending·90 days on market

1712 Lachlan Circle

Jacksonville, FL 32218

$399,000$155/sqftEst. $2,051/moMLS# 2147203

Beds

Baths

2,571

Sq Ft

2024

Built

Garage

Pool

About this home

Jacksonville

Welcome to this beautifully maintained pond-view home in the sought-after Seaton Creek community! Featuring 4 spacious bedrooms and an open-concept layout filled with natural light, this home offers comfort, style, and functionality. Enjoy a spacious kitchen that flows seamlessly into the living and dining areas, perfect for entertaining. Upgrades include custom closets, upgraded lighting, smart home wiring, sprinkler system, newly planted grass, and a covered lanai overlooking the peaceful pond view. Residents enjoy resort-style amenities including a pool, clubhouse, fitness center, playground, and walking areas. Conveniently located minutes from Jacksonville International Airport, River City Marketplace, Downtown Jacksonville, Kings Bay Naval Base, shopping, dining, and entertainment with easy access to I-95 and I-295. Schedule your private showing today! .

Cost to own

Mortgage calculator

Home Price

$399,000

Down Payment: 20%

$79,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,051

Principal & Interest: $2,051

Property taxes (est.): $652

Insurance (est.): $266

Estimated Total Monthly

$2,969

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,051

Property taxesest. at asking price, Duval County$652

HOAbilled semi-annually$65

Estimated total, before insurance$2,767/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,245/yr · $687/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	$356,948	$247,003	—

2025 property taxes (current owner): $8,245/yr

Estimated taxes if purchased at asking price: ~$7,800/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.

Features

Price$399,000

Price / Sq Ft$155

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,571

Acres0.18 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontYes

School Information

ElementaryBiscayne

MiddleHighlands

HighFirst Coast

Community Information

Address1712 Lachlan Circle, Jacksonville, FL 32218

Area091-Garden City/Airport

SubdivisionSeaton Creek Reserve

CityJacksonville

CountyDuval

StateFL

Zip Code32218

Lot Size7,840.8 sq ft

Parcel Number0196001810

ZoningPUD

Amenities

AmenitiesPool, Clubhouse, Fitness Center

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesEat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Home, Split Bedrooms

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Range, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup