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This home is in Wells Creek, Jacksonville.

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Active·57 days on market·Wells Creek

11987 Calvesta Street

Jacksonville, FL 32256

$339,900$224/sqftEst. $1,733/moMLS# 2147314

Beds

Baths

1,519

Sq Ft

2022

Built

Garage

Pool

About this home

Wells Creek

Come live in Wells Creek! This well maintained townhome is an end unit with a large lot AND two-car garage. This 3BR/2.5BA townhome has been freshly painted SW City Loft and professionally cleaned. Highlights are 9-foot ceilings, 1/2 bath downstairs with Harry Potter storage closet, luxury vinyl plank flooring, and open-concept layout filled with natural light. This kitchen stands out with quartz countertops, a large island with electrical, stainless steel appliances (all Whirlpool), 42'' cabinets, and a generous pantry. The screened lanai allows you to enjoy an oversized backyard with a peaceful wooded view -- a rare bonus for townhome living. Upstairs, your generously sized primary suite includes a double vanity and an expansive walk-in closet. 2nd and 3rd bedrooms share the spacious 2nd bathroom. The laundry area comes complete with washer and dryer and plenty of storage. Located just a short walk to the community's resort-style amenities.

Cost to own

Mortgage calculator

Home Price

$339,900

Down Payment: 20%

$67,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,733

Principal & Interest: $1,733

Property taxes (est.): $555

Insurance (est.): $227

Estimated Total Monthly

$2,515

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,733

Property taxesest. at asking price, Duval County$555

HOAbilled quarterly$183

Estimated total, before insurance$2,471/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,683/yr · $474/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

Last sold: $401,600 in November 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$300,433	$300,433	—
2024	$295,953	$295,953	—
2023	$289,960	$289,960	—
2022	$50,000	$50,000	—

2025 property taxes (current owner): $5,683/yr

Estimated taxes if purchased at asking price: ~$6,700/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.

Hurricane evacuation zone E

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

Roof: material not specified — year not disclosed (home built 2022)

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

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